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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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.

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.

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

Universal Credit Calculator UK (2025/26–2026/27) | Benefit Calculalor | Benefits Calculalor

Check eligibility and estimate your monthly UC payment using 2025/26 rates (with 2026/27 preview). Includes earnings taper, work allowance, savings, childcare, housing estimate and benefit cap.

Salary Calculators (UK)

Take-Home Pay

Estimate your net salary after tax, NI, and pension deductions.

Salary to Hourly

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

Hourly to Salary

Turn your hourly rate into monthly and annual pay estimates.

Monthly to Hourly

Convert monthly pay to hourly, daily, and annual equivalents.

UK Salary by Amount

£30,000 Take Home Pay UK 2026/27

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

£40,000 Take Home Pay UK 2026/27

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

£45,000 Take Home Pay UK 2026/27

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

£50,000 Take Home Pay UK 2026/27

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

Budget & Finance Tools

Budget Planner

Track your income, expenses, and savings with visual charts.

Teacher Salary Calculators

Teacher Take-Home Pay

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

Teacher Take-Home Pay (Scotland)

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

Teacher Salary to Hourly

Convert teacher's annual or monthly pay into an hourly, daily, or weekly rate.

Teacher Hourly to Salary

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

Teacher Monthly to Hourly

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

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.

Scottish Salary Calculators

Take-Home Pay (Scotland)

Estimate your net pay with Scottish tax and NI calculations.

Salary to Hourly (Scotland)

Calculate hourly rate based on Scottish income tax bands.

Hourly to Salary (Scotland)

Find your equivalent annual or monthly salary for Scotland.

Monthly to Hourly (Scotland)

Convert monthly pay into an hourly wage with Scottish tax rules.

Scottish Salary by Amount

£30,000 Take Home Pay Scotland 2026/27

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

£40,000 Take Home Pay Scotland 2026/27

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

£45,000 Take Home Pay Scotland 2026/27

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

£50,000 Take Home Pay Scotland 2026/27

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

Welsh Salary Calculators

Take-Home Pay (Wales)

Estimate your net pay with Welsh tax and NI calculations.

Salary to Hourly (Wales)

Calculate hourly rate based on Welsh income tax bands.

Hourly to Salary (Wales)

Find your equivalent annual or monthly salary for Wales.

Monthly to Hourly (Wales)

Convert monthly pay into an hourly wage with Welsh tax rules.

Nothern Ireland Salary Calculators

Take-Home Pay (Nothern Ireland)

Estimate your net pay with Nothern Ireland tax and NI calculations.

Salary to Hourly (Nothern Ireland)

Calculate hourly rate based on Nothern Ireland income tax bands.

Hourly to Salary (Nothern Ireland)

Find your equivalent annual or monthly salary for Nothern Ireland.

Monthly to Hourly (Nothern Ireland)

Convert monthly pay into an hourly wage with Nothern Ireland tax rules.

🇬🇧 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?

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?

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?

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?

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?

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?

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?

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?

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?

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.