Work out your take-home pay after income tax, National Insurance, pension and student loan. Includes Scottish income tax rates.
Income tax: England, Wales & NI
| Band | Taxable pay | Rate |
|---|---|---|
| Personal allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 – £50,270 | 20% |
| Higher rate | £50,271 – £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
Income tax: Scotland
| Band | Taxable pay | Rate |
|---|---|---|
| Personal allowance | Up to £12,570 | 0% |
| Starter | £12,571 – £16,537 | 19% |
| Basic | £16,538 – £29,526 | 20% |
| Intermediate | £29,527 – £43,662 | 21% |
| Higher | £43,663 – £75,000 | 42% |
| Advanced | £75,001 – £125,140 | 45% |
| Top | Over £125,140 | 48% |
National Insurance
Employees pay Class 1 National Insurance at 8% on earnings between £12,570 and £50,270 a year, and 2% on everything above. NI is the same across the whole UK.
How we calculate
- Subtract any pension salary sacrifice from gross pay.
- Apply the personal allowance, reduced above £100,000.
- Apply the income tax bands for your region.
- Work out National Insurance and any student loan repayments.
- Take-home pay is what remains, shown per year, month, week, day and hour.
Student loan thresholds 2026/27
| Plan | Threshold | Rate |
|---|---|---|
| Plan 1 | £26,900 | 9% |
| Plan 2 | £29,385 | 9% |
| Plan 4 (Scotland) | £33,795 | 9% |
| Plan 5 | £25,000 | 9% |
| Postgraduate | £21,000 | 6% |
Repayments are a percentage of income above the threshold.
UK take-home pay questions
How much is £30,000 after tax?
In England, Wales or Northern Ireland, £30,000 leaves about £25,120 a year in 2026/27, or £2,093 a month, after £3,486 income tax and £1,394 National Insurance.
How much is £50,000 after tax?
About £39,520 a year (£3,293 a month) in England, Wales or Northern Ireland, and £38,024 in Scotland, where income tax is higher at this level.
What is the personal allowance for 2026/27?
The personal allowance is £12,570. It falls by £1 for every £2 of income above £100,000, so it is gone entirely at £125,140.
Does pension salary sacrifice reduce tax?
Yes. Salary sacrifice lowers your gross pay before income tax and National Insurance are worked out, so you save both. Enter your percentage under the pension field.
Sources: GOV.UK income tax rates · Scottish Government, income tax 2026 to 2027 · GOV.UK National Insurance rates · GOV.UK student loan repayments. Last updated October 2026.
The information on this page is for general information only. For major financial decisions, consult a qualified tax adviser.