IT & Tech
IT support, developers and data roles commonly sit between £30,000 and £70,000. Net pay often falls between roughly £2,000 and £4,000 per month depending on pension and deductions.
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Take Home Pay Calculator UK 2026/27
Calculate your Net Monthly Salary after Tax and National Insurance.
Other ways to calculate:
- How to work out hourly pay? Use the Salary to Hourly Calculator
- Paid monthly? Use the Monthly to Hourly Calculator
- Know your hourly rate? Convert Hourly Pay to Annual Salary
Resident in Scotland? Try the Scottish version →
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Use this option to compare your current salary with another one — for example, to see how much more or less you’d earn if you changed jobs or roles.
How your UK Salary is Calculated
This UK Salary Calculator breaks down exactly where your money goes. It uses the latest 2025/2026 tax rates to estimate your net income (what actually lands in your bank account).
Key Deductions Explained:
- Income Tax: The tax you pay on your earnings above your personal allowance (usually £12,570).
- National Insurance (NI): Payments that qualify you for state benefits and the State Pension.
- Student Loan: Repayments for Plan 1, 2, 4 (Scotland), or 5 loans, deducted automatically if you earn over the threshold.
- Pension: Workplace pension contributions (usually 3-5% auto-enrolment).
Estimated take-home pay by industry (2026/27)
Below are broad net pay ranges for common UK industries. These are intentionally shown as ranges because take-home pay varies based on pension %, student loans, tax code and salary sacrifice.
Looking for a specific calculator?
- Working as a teacher? Use Teacher Take-Home Pay Calculator
- Working in NHS? Use NHS Take-Home Pay Calculator
Finance & Accounting
Finance assistants through to analysts and accountants often earn £28,000 to £65,000. Typical net pay ranges from about £1,900 to £3,800 per month.
Trades & Construction
Electricians, plumbers, builders and site roles are commonly £28,000 to £55,000. Net pay usually lands around £1,900 to £3,300 per month depending on pension and overtime.
Public sector (Police, Council, Civil Service)
Many public sector roles fall between £27,000 and £50,000. Monthly take-home pay is often around £1,850 to £3,050.
Retail & Hospitality
Supervisors and managers often earn £24,000 to £40,000. Net pay commonly ranges from roughly £1,650 to £2,600 per month.
These ranges are estimates for the 2026/27 tax year and assume typical employee deductions. Use the calculator above for a personalised result.
Quick Salary Lookups (2026/27)
Want to see a full breakdown for a specific salary amount? Select an annual gross salary below:
£20,000 After Tax
£30,000 After Tax
£40,000 After Tax
£50,000 After Tax
£60,000 After Tax
£80,000 After Tax
£100k After Tax
Salary pages show an example breakdown. Your exact result depends on pension %, tax code and other deductions.
2026/27 Tax Bands Overview
The standard Personal Allowance is currently £12,570. This is the amount you can earn tax-free.
| Band | Income Range | Tax Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic Rate | £12,571 to £50,270 | 20% |
| Higher Rate | £50,271 to £125,140 | 40% |
| Additional Rate | Over £125,140 | 45% |
National Insurance Changes
National Insurance rates have fluctuated recently. This calculator applies the current Class 1 Primary rate for employees (typically 8% on earnings between the primary threshold and upper earnings limit, subject to confirmation in the budget).
How UK deductions affect take-home pay
Income Tax
UK Income Tax is based on bands. Your taxable income is usually your gross salary minus your Personal Allowance (if applicable) and any pre-tax deductions. Higher earnings push more of your income into higher tax bands.
National Insurance (NI)
National Insurance is typically calculated on your earnings and is separate from Income Tax. NI can have different thresholds and rates, which is why take-home pay is not a simple fixed percentage of your salary.
Pension contributions
Workplace pension contributions reduce your take-home pay, but they also reduce your taxable pay in many schemes. Increasing your pension contributions can lower your net pay today while improving retirement savings.
Student loan repayments
If you have a student loan, repayments are usually calculated based on your income above a threshold and the plan type. This can reduce take-home pay noticeably at certain salary levels.
FAQs about UK Take-Home Pay
What is take-home pay?
Your take-home pay is the amount left after all deductions — income tax, National Insurance, and pension contributions — from your gross salary.
How accurate is this calculator?
This calculator is updated for the 2026/27 UK tax year and uses official HMRC rates for income tax, NI, and student loans.
Can it calculate weekly or monthly net pay?
Yes. Once calculated, the results show annual, monthly, weekly, and daily take-home pay figures.