UK Salary Calculator 2026
Free UK salary calculator and take-home pay tool for the 2026 tax year. Uses HMRC income tax bands, National Insurance Class 1, student loan repayments (all 5 plans), and workplace pension. Enter annual, monthly, weekly, or hourly pay to see exactly what lands in your bank account.
Auto-enrolment minimum is 5%. Pension is via salary sacrifice.
2025/26 tax year · England, Wales & Northern Ireland · HMRC rates
Take-Home Pay
£2,288
per month
Annual Breakdown
Effective Rates
Effective Tax Rate (tax + NI)
16.5%
Marginal Income Tax Rate
20.0%
How UK Income Tax Works (2026)
UK residents pay income tax on a progressive scale above the personal allowance of £12,570. The basic rate is 20% up to £50,270, the higher rate is 40% up to £125,140, and the additional rate is 45% above that. If you earn over £100,000, your personal allowance tapers away — reducing by £1 for every £2 earned above £100,000.
| Gross Income | Income Tax Rate | NI Rate |
|---|---|---|
| £0 – £12,570 | 0% (personal allowance) | 0% |
| £12,571 – £50,270 | 20% basic rate | 8% |
| £50,271 – £100,000 | 40% higher rate | 2% |
| £100,001 – £125,140 | 40% + PA taper | 2% |
| £125,141+ | 45% additional rate | 2% |
National Insurance Class 1 (employee) is charged at 8% on earnings between £12,570 and £50,270, and 2% above £50,270. It is calculated on gross pay before pension salary sacrifice.
Scotland has separate income tax rates set by the Scottish Parliament — this calculator covers England, Wales and Northern Ireland only.
Frequently Asked Questions
How much tax do I pay on £35,000 in the UK in 2026?
On £35,000, you pay £4,486 in income tax and £1,796 in National Insurance Class 1, totalling £6,282. Your take-home pay is £28,718 per year, or £2,393 per month. Source: HMRC 2026 rates.
How much is £50,000 after tax in the UK?
On £50,000 in 2026, you pay £7,486 income tax and £2,994 National Insurance, giving a take-home pay of £39,520 per year — £3,293 per month. At £50,270 you enter the higher rate (40%) band.
What is the UK personal allowance for 2026?
The personal allowance is £12,570 for 2026. You pay no income tax on the first £12,570 of earnings. The allowance tapers away at £1 for every £2 of income above £100,000, reaching zero at £125,140.
How does National Insurance work in the UK?
Employee Class 1 National Insurance is charged at 8% on earnings between £12,570 and £50,270 per year, and 2% on earnings above £50,270. NI is calculated independently from income tax.
Does the calculator include student loan repayments?
Yes — select your plan (Plan 1, 2, 4, 5, or Postgraduate) from the dropdown. Repayments are deducted at 9% above the relevant threshold (6% for Postgraduate). The thresholds for 2026 range from £21,000 (Postgraduate) to £32,745 (Plan 4).
How is workplace pension calculated?
Enter your employee pension contribution as a percentage of salary. The calculator treats this as salary sacrifice, reducing your taxable income and National Insurance. The auto-enrolment minimum is 5% employee, 3% employer.
Take-Home Pay for Common UK Salaries (2025/26)
England, Wales & Northern Ireland. No student loan, no pension contribution. Source: HMRC 2025/26 rates.
| Salary | Income Tax | Nat. Insurance | Take-Home | Per Month | Eff. Rate |
|---|---|---|---|---|---|
| £20,000 | £1,486 | £594 | £17,920 | £1,493 | 10.4% |
| £25,000 | £2,486 | £994 | £21,520 | £1,793 | 13.9% |
| £30,000 | £3,486 | £1,394 | £25,120 | £2,093 | 16.3% |
| £35,000 | £4,486 | £1,794 | £28,720 | £2,393 | 17.9% |
| £40,000 | £5,486 | £2,194 | £32,320 | £2,693 | 19.2% |
| £50,000 | £7,486 | £2,994 | £39,520 | £3,293 | 21.0% |
| £60,000 | £11,432 | £3,211 | £45,357 | £3,780 | 24.4% |
| £80,000 | £19,432 | £3,611 | £56,957 | £4,746 | 28.8% |
| £100,000 | £27,432 | £4,011 | £68,557 | £5,713 | 31.4% |