Use this monthly take home pay calculator to see how much of your salary actually reaches your bank account each month. Enter your gross pay and it takes off Income Tax, National Insurance, your workplace pension and any student loan, using the official UK rates for the current tax year.
Your take-home pay (2026/27 tax year)
- Per month
- –
- Per week
- –
- Per year
- –
| Breakdown | Year | Month | Week |
|---|---|---|---|
| Enter your pay to see the breakdown. | |||
Uses the standard 1257L tax code and the 2026/27 UK rates.
The example above uses a £35,000 salary with a 5% workplace pension. That leaves £2,276.63 a month, or £27,319.60 a year. Change any box and the figures update straight away.
How to use the monthly take home pay calculator
- Enter your gross pay and pick whether it is per year, month, week or hour. For an hourly rate, add your weekly hours.
- Choose where you live. Scotland has its own Income Tax bands, so the result is different there.
- Add your pension. Enter the percentage you pay and how it is taken. If you are not sure, the most common type is relief at source.
- Pick your student loan plan, if you have one, and tick the box if you also repay a Postgraduate Loan.
- Read your results. The table shows each deduction per year, per month and per week.
What comes out of your pay
Four things usually come off a UK payslip before you are paid. The rates below are for the current tax year, which runs from 6 April 2026 to 5 April 2027, as published in the GOV.UK rates and thresholds for employers.
Income Tax
The monthly take home pay calculator starts with your tax-free allowance. Most people can earn £12,570 a year before paying Income Tax. This is the Personal Allowance, and it is what the tax code 1257L means. Above that, tax is charged in bands:
| Band (England, Wales and Northern Ireland) | Taxable income | 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% |
You only pay each rate on the slice of income inside that band. Moving into the higher rate does not mean all your pay is taxed at 40%, only the part above £50,270.
National Insurance
Employees pay Class 1 National Insurance at 8% on earnings between £12,570 and £50,270 a year, and 2% on anything above that. Unlike Income Tax, National Insurance is worked out each pay period, so a one-off bonus month can change it a little.
Workplace pension
Under auto-enrolment, which the monthly take home pay calculator assumes by default, most employees pay at least 5% into a workplace pension and their employer adds at least 3%. How your contribution is taken affects your take-home pay, which is why the calculator asks for the type.
Student loan repayments
You repay a student loan only on the part of your income above your plan’s threshold:
| Plan | Yearly threshold | Repayment rate |
|---|---|---|
| Plan 1 | £26,900 | 9% |
| Plan 2 | £29,385 | 9% |
| Plan 4 (Scotland) | £33,795 | 9% |
| Plan 5 | £25,000 | 9% |
| Postgraduate Loan | £21,000 | 6% |
Take-home pay for common UK salaries
Here is what common salaries leave you with each month in England, Wales or Northern Ireland, with no pension or student loan. Use the monthly take home pay calculator above to add your own deductions.
| Salary | Income Tax a month | NI a month | Take-home a month | Take-home a year |
|---|---|---|---|---|
| £20,000 | £123.83 | £49.53 | £1,493.30 | £17,919.60 |
| £25,000 | £207.17 | £82.87 | £1,793.30 | £21,519.60 |
| £30,000 | £290.50 | £116.20 | £2,093.30 | £25,119.60 |
| £35,000 | £373.83 | £149.53 | £2,393.30 | £28,719.60 |
| £40,000 | £457.17 | £182.87 | £2,693.30 | £32,319.60 |
| £45,000 | £540.50 | £216.20 | £2,993.30 | £35,919.60 |
| £50,000 | £623.83 | £249.53 | £3,293.30 | £39,519.60 |
| £60,000 | £952.67 | £267.55 | £3,779.78 | £45,357.40 |
| £75,000 | £1,452.67 | £292.55 | £4,504.78 | £54,057.40 |
| £100,000 | £2,286.00 | £334.22 | £5,713.12 | £68,557.40 |
Take home salary calculator UK: Scotland
If you live in Scotland, your Income Tax is worked out with six Scottish bands, set by the Scottish Parliament. National Insurance and student loans are the same across the UK. You can check the bands on GOV.UK Income Tax in Scotland.
| Scottish band | Total income | Rate |
|---|---|---|
| Starter rate | £12,571 to £16,537 | 19% |
| Basic rate | £16,538 to £29,526 | 20% |
| Intermediate rate | £29,527 to £43,662 | 21% |
| Higher rate | £43,663 to £75,000 | 42% |
| Advanced rate | £75,001 to £125,140 | 45% |
| Top rate | Over £125,140 | 48% |
On £30,000 a year, someone in Scotland takes home £2,096.21 a month, which is £2.91 more than in England. On £50,000, they take home £3,168.63 a month, about £124.67 less than in England, because the 42% band starts at a lower income.
How your pension type changes your take-home pay
Three schemes are common, and the same 5% contribution leaves you with different amounts:
- Relief at source: your contribution is taken after tax, and your pension provider claims 20% tax relief from HMRC and adds it to your pot. On £40,000 this leaves £2,559.97 a month.
- Net pay arrangement: your contribution is taken before Income Tax, so you get tax relief straight away. On £40,000 this leaves £2,559.97 a month.
- Salary sacrifice: you agree to a lower salary and your employer pays the difference into your pension. You save Income Tax and National Insurance, so on £40,000 you keep £2,573.30 a month.
For basic-rate taxpayers, relief at source and net pay give the same total benefit; the money just arrives in a different place. Higher-rate taxpayers using relief at source can claim the extra relief through a Self Assessment tax return. To compare schemes in detail, try our salary sacrifice calculator.
Earning over £100,000
Your Personal Allowance shrinks by £1 for every £2 you earn above £100,000, and disappears completely at £125,140. In that range, each extra £1 of pay costs you 60p in tax plus 2p in National Insurance. A pay rise from £100,000 to £110,000 adds only £3,800.00 a year to your take-home pay.
Paying more into your pension through salary sacrifice or a net pay scheme brings your taxable income down and can win back some of the allowance.
Why your payslip may not match the monthly take home pay calculator
The calculator gives an accurate estimate for a normal month, but your payslip can differ for a few reasons:
- A different tax code. Company benefits, unpaid tax from an earlier year or a second job can change your code from 1257L.
- Emergency tax. New starters without a P45 are often put on an emergency code (1257L W1 or M1) for a while.
- Bonuses and overtime. Tax is worked out across the year, but National Insurance is worked out for each pay period.
- Other deductions. Union fees, cycle-to-work schemes, season ticket loans and give-as-you-earn donations all come off your pay.
- Pension on part of your pay. Some schemes take your contribution only on earnings above about £6,240, not on your whole salary.
If you think you have paid too much tax, our tax rebate calculator helps you check what you could claim back.
Monthly take-home pay for hourly workers
If you are paid by the hour, this salary after tax calculator turns your rate into a yearly figure first (rate × weekly hours × 52), then takes off tax in the same way. Here is what common hourly rates leave you with on a 37.5-hour week:
| Hourly rate | Gross a month | Take-home a month | Take-home a week |
|---|---|---|---|
| £12.71 | £2,065.38 | £1,780.37 | £410.85 |
| £14.00 | £2,275.00 | £1,931.30 | £445.68 |
| £15.00 | £2,437.50 | £2,048.30 | £472.68 |
| £17.00 | £2,762.50 | £2,282.30 | £526.68 |
| £20.00 | £3,250.00 | £2,633.30 | £607.68 |
| £25.00 | £4,062.50 | £3,218.30 | £742.68 |
£12.71 is the National Living Wage for workers aged 21 and over. For other ages and rates, see the UK minimum wage guide.
How to read your payslip
Your payslip shows the same lines as the take home salary calculator UK employees use here, so it is easy to compare the two:
- Gross pay: your pay before anything is taken off, including overtime and bonuses for that period.
- Tax code: usually 1257L. A letter W1, M1 or X after it means you are on an emergency code.
- PAYE tax and NI: the Income Tax and National Insurance taken this period.
- Pension: your own contribution. Your employer’s share is often shown separately.
- Net pay: what is paid into your account. This is the take-home figure.
- Year to date: running totals since 6 April, which help you spot mistakes.
If the net pay on your payslip is far from the monthly take home pay calculator result, check the tax code first. It is the most common cause of a gap.
Legal ways to keep more of your pay
- Check your tax code in your personal tax account on GOV.UK. A wrong code is easy to fix and can mean a refund.
- Use salary sacrifice for your pension if your employer offers it. You save National Insurance as well as tax.
- Claim the Marriage Allowance if your partner earns less than the Personal Allowance. Our marriage allowance calculator shows what it is worth.
- Claim tax relief on work costs you are not paid back for, such as uniform cleaning or professional fees.
Related calculators
Paid by the hour? Convert your rate first with the hourly wage calculator. Working part-time on a full-time salary? Use the pro rata salary calculator. On the legal minimum? The minimum wage salary calculator shows your pay for any number of hours.
Frequently asked questions
How much is £30,000 a year per month after tax?
In England, Wales or Northern Ireland, a £30,000 salary leaves £2,093.30 a month after Income Tax and National Insurance, with no pension or student loan. With a 5% relief at source pension it is £1,993.30.
How is monthly take-home pay calculated?
Start with your yearly gross pay, take off Income Tax, National Insurance, your pension contribution and any student loan, then divide what is left by 12. The monthly take home pay calculator does each step for you.
Does the take home salary calculator UK workers use include Scotland?
Yes. Choose Scotland in the “Where you live” box and the calculator switches to the six Scottish Income Tax bands.
What tax code does the calculator use?
The take home pay calculator UK version here uses 1257L, the standard code for most employees with one job. If your code is different, your real take-home pay will be a little higher or lower.
Is employer pension included?
No. Your employer’s contribution goes straight into your pension and never appears in your take-home pay, so the monthly take home pay calculator only shows the part you pay.
Why does my take-home pay change from month to month?
Overtime, bonuses, unpaid leave and tax code changes all move your monthly figure. National Insurance is worked out each pay period, so a bigger month can mean a bigger deduction.
About this calculator
This monthly take home pay calculator uses the 2026/27 Income Tax, National Insurance and student loan figures from GOV.UK Income Tax rates, checked on 5 November 2026. We update it every April when the new tax year starts.
Results are estimates for planning. Your payslip, P60 and HMRC account are the final word on what you owe.