Salary After Tax UK 2026/27

Professional financial calculators for accurate UK salary, tax, and budget planning

Updated with latest 2026/27 tax rates • Free to use • No registration required

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NHS Scotland Pay Rise 2026/27: 3.75% From April 2026 | AfC Pay Deal | Salary After Tax UK

NHS Scotland pay rise 2026/27 explained: 3.75% from 1 April 2026 under the two year Agenda for Change pay deal. Includes who is covered, inflation guarantee, pay band examples, and a Scotland take home pay calculator.

NHS Pay Rise 2026/27: 3.3% Increase Confirmed | Agenda for Change Update | Salary After Tax UK

NHS pay rise 2026/27 confirmed at 3.3% for Agenda for Change staff. See who it applies to, when it will be paid, inflation comparisons, union reactions, and updated NHS band salaries.

UK Tax Rates 2026/27: Income Tax, NI, Minimum Wage & Statutory Pay (Updated)

Updated UK tax rates for the 2026/27 tax year (6 April 2026 to 5 April 2027): Income Tax bands (England, Scotland, Wales), National Insurance thresholds, minimum wage rates, statutory pay, and student loan thresholds.

Scottish Tax Rates 2026/27: Bands, What’s Changing & Take-Home Pay Examples

Updated Scottish Income Tax bands for 2026/27 (6 April 2026 to 5 April 2027), what changed vs 2025/26 and earlier years, who pays more/less, and real take-home pay examples. Includes links to Scotland take-home pay and salary conversion calculators.

Welsh Tax Rates 2026/27: Bands, What’s Changing & Take-Home Pay Examples

Updated Welsh Income Tax bands for 2026/27 (6 April 2026 to 5 April 2027), what changed vs 2025/26 and earlier years, who pays more/less, and real take-home pay examples. Includes links to Scotland take-home pay and salary conversion calculators.

Northern Ireland Tax Rates 2026/27: Bands, What’s Changing & Take-Home Pay Examples

Updated Northern Ireland Income Tax bands for 2026/27 (6 April 2026 to 5 April 2027), what changed vs 2025/26 and earlier years, who pays more/less, and real take-home pay examples. Includes links to Scotland take-home pay and salary conversion calculators.

What is a good salary in the UK in 2026?

Discover what counts as a good salary in the UK in 2026, including the latest UK median earnings, London vs regional salary comparisons, and after-tax take-home pay examples.

Benefits Calculalors

Salary Calculators (UK)

UK Salary by Amount

Budget & Finance Tools

Teacher Salary Calculators

NHS Salary Calculators

NHS Take-Home Pay

Estimate NHS worker's net salary after tax, NI, and pension deductions.

NHS Take-Home Pay (Scotland)

Estimate NHS worker's net salary after tax in Scotland, NI, and pension deductions.

NHS Salary to Hourly

Convert NHS annual or monthly pay into an hourly, daily, or weekly rate.

NHS Hourly to Salary

Turn NHS worker's hourly rate into monthly and annual pay estimates.

NHS Monthly to Hourly

Convert NHS worker's monthly pay to hourly, daily, and annual equivalents.

NHS Pay Structure & Resources Hub

Explore the full NHS Agenda for Change pay structure, including band guides, salary breakdowns, take-home pay tools, and practical resources for NHS staff.

NHS Bands 1–9 Overview

Browse all NHS pay bands from Band 1 to Band 9, with salary ranges, career progression steps, and take-home pay guidance.

NHS Band 1 Take-Home Pay Guide

Understand NHS Band 1 salary details, historic pay structure, and take-home pay breakdowns (Band 1 closed to new entrants).

NHS Band 2 Take-Home Pay Guide

See NHS Band 2 salary ranges, annual and monthly take-home pay estimates, and pension contribution impact.

NHS Band 3 Take-Home Pay Guide

Detailed NHS Band 3 salary breakdown with net pay examples and deductions explained clearly.

NHS Band 4 Take-Home Pay Guide

Review NHS Band 4 earnings, tax and pension deductions, and estimated monthly take-home pay figures.

NHS Band 5 Take-Home Pay Guide

Complete guide to NHS Band 5 salary, including gross pay, net pay examples, and progression steps.

NHS Band 6 Take-Home Pay Guide

Explore NHS Band 6 salary structure, deductions, and realistic take-home pay calculations.

NHS Band 7 Take-Home Pay Guide

Understand NHS Band 7 earnings, pension contributions, and monthly net pay examples.

NHS Band 8 (8a–8d) Overview

Overview of NHS Band 8 salary levels from 8a to 8d, including pay ranges and senior progression pathways.

NHS Band 8a Take-Home Pay Guide

Band 8a salary breakdown with annual income, pension deductions, and net pay estimates.

NHS Band 8b Take-Home Pay Guide

Detailed NHS Band 8b salary and take-home pay examples with deduction explanations.

NHS Band 8c Take-Home Pay Guide

NHS Band 8c salary overview, including high-level earnings and net income examples.

NHS Band 8d Take-Home Pay Guide

Breakdown of NHS Band 8d earnings with tax, pension, and monthly take-home pay estimates.

NHS Band 9 Take-Home Pay Guide

Senior NHS Band 9 salary structure with full gross and net pay analysis.

All NHS Pay Guides

Browse all NHS salary guides, pay structure explanations, and take-home pay resources in one place.

Why a 3.3% NHS Pay Rise Can Feel Smaller After Deductions

Understand how tax, National Insurance, and pension contributions reduce the real impact of the 3.3% NHS pay rise.

Scottish Salary Calculators

Scottish Salary by Amount

Welsh Salary Calculators

Nothern Ireland Salary Calculators

🇬🇧 Updated for the 2026/27 UK Tax Year • 100% Free • No Sign-Up Required

Frequently Asked Questions

How much is £40,000 salary per hour in the UK?

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A £40,000 annual salary equals approximately £19.23 per hour before tax if you work 40 hours per week for 52 weeks. After tax and National Insurance, this would be around £15.23 per hour for the 2026/27 tax year.

What is the UK tax rate for 2026/27?

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For 2026/27, UK Income Tax rates are:

0% on income up to £12,570 (Personal Allowance)

20% on income from £12,571 to £50,270 (Basic Rate)

40% on income from £50,271 to £125,140 (Higher Rate)

45% on income over £125,140 (Additional Rate)

Plus National Insurance at 12% (basic rate) and 2% (higher rate).

How do I calculate my take-home pay in the UK?

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To calculate take-home pay: Start with gross salary, subtract Income Tax, National Insurance, pension contributions, and student loan repayments. Use our UK Tax Calculator above for accurate calculations with current 2026/27 rates.

What's a good hourly rate in the UK?

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The UK National Minimum Wage (2026/27) is £11.44 per hour for adults. A good hourly rate depends on your industry and experience:

Entry level: £12-18 per hour

Skilled/Professional: £20-35 per hour

Senior/Specialist: £35+ per hour

How much should I budget for expenses in the UK?

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A typical UK budget breakdown:

Housing: 25-35% of income

Food: 10-15% of income

Transport: 10-15% of income

Utilities: 5-10% of income

Savings: 10-20% of income

Use our Budget Planner above to track your specific expenses.

Do I need to pay National Insurance if I'm over state pension age?

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No, if you're over state pension age (currently 66), you don't pay National Insurance contributions, even if you continue working. However, you still pay Income Tax on earnings above the personal allowance.

How are student loan repayments calculated?

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Student loan repayments are calculated as a percentage of income above a threshold:

Plan 1: 9% of income over £22,015

Plan 2: 9% of income over £27,295

Postgraduate: 6% of income over £21,000

Our calculator includes all current thresholds and rates.

What's the difference between gross and net salary?

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Gross salary is your total pay before any deductions. Net salary (take-home pay) is what you receive after Income Tax, National Insurance, pension contributions, and other deductions are removed.

How accurate are these calculators?

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Our calculators use the official UK tax rates and thresholds for 2026/27. They provide accurate estimates for most situations. However, they don't account for every possible circumstance (like complex pension schemes or additional benefits). For complex situations, consult a qualified accountant.