# Take-Home Pay Calculator > Work out your take-home pay after income tax, National Insurance, pension and student loan for 2022-23 to 2026-27, by year, month, week or day. Enter your salary to see what reaches your bank account after income tax, National Insurance, pension and student loan deductions. Use the calculator: https://www.taxoptimiser.co.uk/calculators/take-home-pay Example: A £35,000 salary in 2026-27 leaves £28,722.12 a year, or £2,393.51 a month, after £4,484.00 of income tax and £1,793.88 of National Insurance, on the standard tax code with no pension contributions or student loan. ## How your tax code sets your income tax The number in your tax code is your tax-free pay for the year divided by ten, so 1257L means £12,570. Payroll spreads that allowance across your pay periods and taxes the rest at the basic, higher and additional rates. A K code adds to your taxable pay instead, BR, D0 and D1 tax everything at one rate, and an S or C prefix applies the Scottish or Welsh rates. Leave the code blank and the calculator uses the standard allowance, which shrinks by £1 for every £2 of income over £100,000. ## Pension contributions and tax relief An auto-enrolment percentage applies only to qualifying earnings, the band of pay between a lower and an upper limit, not to your whole salary. Contributions taken before tax save income tax at your top rate. Under salary sacrifice you give up the pay altogether, so you save National Insurance as well. With a personal pension you pay from your take-home pay and the provider adds basic rate relief. ## Student loan repayments Plans 1, 2, 4 and 5 are repaid at 9% of pay above the plan's threshold, and a postgraduate loan at 6% above its own threshold on top. Deductions are worked out each pay period and rounded down to the pound. If you have more than one undergraduate plan, a single 9% is taken above the lowest threshold and shared between them. ## Bonuses, overtime and salary sacrifice A bonus is taxed in the pay period it is paid, so that payslip carries more tax and National Insurance than usual, though the year's income tax comes out the same. Overtime is valued from your hourly rate. Salary sacrifice for most benefits now saves National Insurance only, but cycle to work schemes, electric cars and childcare vouchers for existing members still save tax too. ## Take-home pay by salary, 2026-27 Paid monthly on the standard tax code, with no pension contributions or student loan, for England, Wales and Northern Ireland. | Salary | Income tax | National Insurance | Take-home a year | Take-home a month | | --- | --- | --- | --- | --- | | £20,000 | £1,484.00 | £593.88 | £17,922.12 | £1,493.51 | | £25,000 | £2,484.00 | £993.96 | £21,522.04 | £1,793.50 | | £30,000 | £3,484.00 | £1,393.92 | £25,122.08 | £2,093.51 | | £35,000 | £4,484.00 | £1,793.88 | £28,722.12 | £2,393.51 | | £40,000 | £5,484.00 | £2,193.96 | £32,322.04 | £2,693.50 | | £50,000 | £7,484.00 | £2,993.88 | £39,522.12 | £3,293.51 | | £60,000 | £11,428.00 | £3,210.00 | £45,362.00 | £3,780.17 | | £75,000 | £17,428.00 | £3,510.00 | £54,062.00 | £4,505.17 | | £100,000 | £27,428.00 | £4,010.04 | £68,561.96 | £5,713.50 | ## Tax, National Insurance and student loan thresholds, 2026-27 Annual figures. The income tax thresholds are for England, Wales and Northern Ireland; Scottish bands differ. | Threshold | A year | | --- | --- | | Personal Allowance | £12,570 | | Higher rate income tax starts at | £50,270 | | Additional rate income tax starts at | £125,140 | | National Insurance starts at (primary threshold) | £12,570 | | National Insurance upper earnings limit | £50,270 | | Student loan Plan 1 threshold | £26,900 | | Student loan Plan 2 threshold | £29,385 | | Student loan Plan 4 threshold | £33,795 | | Student loan Plan 5 threshold | £25,000 | | Postgraduate loan threshold | £21,000 | ## Frequently asked questions ### How much is take-home pay on a £30,000 salary? £25,122.08 a year, or £2,093.51 a month, for 2026-27. That is after £3,484.00 income tax and £1,393.92 National Insurance, on the standard tax code with no pension contributions or student loan. ### How much is take-home pay on a £50,000 salary? £39,522.12 a year, or £3,293.51 a month, for 2026-27. That is after £7,484.00 income tax and £2,993.88 National Insurance, on the standard tax code with no pension contributions or student loan. ### What does tax code 1257L mean? That you have £12,570 of tax-free pay for the year: the number in the code is the allowance divided by ten. Payroll spreads it across your pay periods and taxes the rest. ### Why does take-home pay grow more slowly over £100,000? The Personal Allowance is reduced by £1 for every £2 of income over £100,000, so each extra pound in that range is taxed more heavily until the allowance has gone. ### Do pension contributions reduce my tax? Yes. Contributions taken from pay before tax save income tax at your top rate, and under salary sacrifice you save National Insurance as well. With a personal pension the provider adds basic rate relief instead. ### How much are student loan repayments? 9% of pay above your plan's threshold for Plans 1, 2, 4 and 5, plus 6% above its own threshold for a postgraduate loan. ## Related calculators - [Salary vs Dividend Calculator](https://www.taxoptimiser.co.uk/calculators/salary-vs-dividend.md): Compare the standard director salary levels and see which leaves the most take-home pay. - [Dividend Tax Calculator](https://www.taxoptimiser.co.uk/calculators/dividend-tax.md): Income tax on dividends on top of your salary, band by band. - [Sole Trader vs Limited Company Calculator](https://www.taxoptimiser.co.uk/calculators/sole-trader-vs-limited-company.md): Compare tax and take-home on the same profit as a sole trader and as a company. ## Sources - [Income Tax rates and Personal Allowances](https://www.gov.uk/income-tax-rates) (GOV.UK) - [National Insurance rates and categories](https://www.gov.uk/national-insurance-rates-letters) (GOV.UK) - [Repaying your student loan](https://www.gov.uk/repaying-your-student-loan) (GOV.UK) - [Scottish Income Tax](https://www.gov.uk/scottish-income-tax) (GOV.UK) --- Last updated 11 October 2026. Guidance only: a general estimate, not tax advice. Published by Tax Optimiser, UK tax filing software (https://www.taxoptimiser.co.uk).