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If you’ve just received a job offer, had a pay rise, or
are simply wondering where your money goes each month,
understanding your take-home pay is essential.
This guide explains exactly how much you keep from your
salary after income tax, National Insurance and other
deductions in the 2026/27 tax year.
What is take-home pay?
Take-home pay — also called net pay — is the amount that
lands in your bank account after all deductions have been
made from your gross salary.
The main deductions are:
- Income tax (PAYE)
- National Insurance contributions
- Student loan repayments (if applicable)
- Pension contributions (if applicable)
UK income tax rates 2026/27
The personal allowance — the amount you earn before paying
any tax — remains at £12,570.
Above that, the following rates apply:
- 20% on earnings between £12,571 and £50,270 (basic rate)
- 40% on earnings between £50,271 and £125,140 (higher rate)
- 45% on earnings above £125,140 (additional rate)
National Insurance 2026/27
Employees pay National Insurance on earnings above £12,570:
- 8% on earnings between £12,570 and £50,270
- 2% on earnings above £50,270
How much do I take home on common salaries?
Here are approximate monthly take-home figures for
common salary levels in 2026/27:
- £20,000 salary — approximately £1,563/month
- £25,000 salary — approximately £1,863/month
- £30,000 salary — approximately £2,113/month
- £35,000 salary — approximately £2,313/month
- £40,000 salary — approximately £2,563/month
- £50,000 salary — approximately £3,100/month
- £60,000 salary — approximately £3,550/month
- £75,000 salary — approximately £4,196/month
- £100,000 salary — approximately £5,469/month
These figures are approximate and assume no student loan,
standard tax code 1257L and no pension contributions.
Scottish income tax
If you live in Scotland, different rates apply. Scotland
has its own income tax bands set by the Scottish
Parliament, which differ from the rest of the UK. Use
our calculator and tick the Scotland option to see your
exact figures.
Student loan deductions
If you have a student loan, repayments are taken
automatically from your salary above certain thresholds:
- Plan 1: 9% above £24,990
- Plan 2: 9% above £27,295
- Plan 4 (Scotland): 9% above £31,395
- Plan 5: 9% above £25,000
- Postgraduate: 6% above £21,000
Pension contributions
If you’re enrolled in a workplace pension, your
contributions are deducted before tax, reducing your
taxable income. The minimum employee contribution under
auto-enrolment is 5% of qualifying earnings.
Calculate your exact take-home pay
Every salary is different. The figures above are
approximate — your actual take-home pay depends on your
tax code, pension contributions, student loan plan and
whether you live in Scotland.
Use the Payslp salary calculator to get your exact
personalised figure in seconds — including monthly,
weekly, daily and hourly breakdowns.