UK take-home pay calculator 2026/27
Annual or monthly salary after income tax and National Insurance, for England, Wales, Northern Ireland and Scotland.
All calculations run in your browser. Nothing you type is sent or stored.
Popular questions
How much is my salary after tax in the United Kingdom?
Type your gross salary into the calculator above and you get the net amount straight away. For example, 40,000 GBP per year leaves about 32,320 GBP per year after contributions and income tax.
How do I calculate net salary from gross in the United Kingdom?
Start from the gross salary, subtract the employee contributions and then the income tax. With 40,000 GBP per year, contributions are 2,194 GBP and tax is 5,486 GBP, so the net pay is 32,320 GBP.
What gross salary do I need for 32,000 GBP net in the United Kingdom?
To take home 32,000 GBP per year you need a gross salary of about 39,556 GBP. Switch the calculator to Net to gross to try any other amount.
How much does an employee cost the employer in the United Kingdom?
A gross salary of 40,000 GBP per year costs the employer about 45,250 GBP in total, including the employer contributions.
How salary is calculated in the United Kingdom
UK salaries are quoted per year. For the 2026/27 tax year everyone gets a personal allowance of 12,570 GBP, then pays income tax at 20%, 40% or 45%, plus National Insurance of 8% on earnings between 12,570 and 50,270 GBP. Scotland has its own income tax bands, which you can select in the calculator.
- Personal allowance 12,570 GBP, reduced by 1 GBP for every 2 GBP above 100,000 GBP.
- Income tax (England, Wales, Northern Ireland): 20% basic, 40% higher, 45% additional rate.
- Employee National Insurance 8% between 12,570 and 50,270 GBP, 2% above.
- Employer National Insurance 15% above 5,000 GBP per year.
Examples for 2026
Amounts per year, rounded to whole units.
| Gross | Contributions | Income tax | Net | Employer cost |
|---|---|---|---|---|
| 30,000 GBP | 1,394 GBP | 3,486 GBP | 25,120 GBP | 33,750 GBP |
| 40,000 GBP | 2,194 GBP | 5,486 GBP | 32,320 GBP | 45,250 GBP |
| 70,000 GBP | 3,411 GBP | 15,432 GBP | 51,157 GBP | 79,750 GBP |
Minimum wage
The National Living Wage for workers aged 21 and over is 12.71 GBP per hour from April 2026.
Frequently asked questions
How much is 40,000 GBP gross in net in the United Kingdom?
In the United Kingdom, a gross salary of 40,000 GBP per year gives a net (take-home) pay of about 32,320 GBP per year in 2026. The employee pays 2,194 GBP in contributions and 5,486 GBP in income tax, and the total employer cost is about 45,250 GBP.
How is income tax calculated in the United Kingdom in 2026?
Personal allowance 12,570 GBP, reduced by 1 GBP for every 2 GBP above 100,000 GBP. Income tax (England, Wales, Northern Ireland): 20% basic, 40% higher, 45% additional rate. Employee National Insurance 8% between 12,570 and 50,270 GBP, 2% above. Employer National Insurance 15% above 5,000 GBP per year.
What is the minimum wage in the United Kingdom in 2026?
The National Living Wage for workers aged 21 and over is 12.71 GBP per hour from April 2026.
What does the calculator not include?
Student loans, pension contributions, salary sacrifice, benefits in kind and the Marriage Allowance are not included.
Is this an official calculation?
No. It is an informational estimate based on the 2026 parameters published by the official sources listed on this page. Your payslip can differ because of personal circumstances, so check important decisions with your employer, an accountant or the tax authority.
Sources and disclaimer
These results are an informational estimate. We use the 2026 rates and thresholds published by the institutions listed below and check them whenever the rules change. The calculator covers a standard full-time employee. Student loans, pension contributions, salary sacrifice, benefits in kind and the Marriage Allowance are not included.