Home / UK · rates checked 31 Oct 2026 against HMRC
Take-home pay calculator UK 2026/27
You take home
£2,693.30a month
That is £32,319.60 a year or £621.53 a week. You keep £80.80 of every £100.
Take-home 80.8%Income taxTax 13.7%National InsuranceNI 5.5%
Fine-tune:
The full picture
Effective rate
19.2%
tax + NI ÷ gross
Next £1 you earnNext £1
28p
goes to tax and NI
Your employer paysEmployer pays
£45,250
incl. £5,250 employer NI
Your payslip
| Your payslip | Year | Month | Week | Day |
|---|---|---|---|---|
| Gross pay | £40,000.00 | £3,333.33 | £769.23 | £153.85 |
| Tax-free allowance | £12,570.00 | £1,047.50 | £241.73 | £48.35 |
| Income tax | −£5,486.00 | −£457.17 | −£105.50 | −£21.10 |
| National Insurance | −£2,194.40 | −£182.87 | −£42.20 | −£8.44 |
| Student loan | £0.00 | £0.00 | £0.00 | £0.00 |
| Pension | £0.00 | £0.00 | £0.00 | £0.00 |
| Take-home pay | £32,319.60 | £2,693.30 | £621.53 | £124.31 |
Day = yearly ÷ 260 working days. Change from 2025/26: none, the rates and thresholds are the same.
Every £100 you earn
You keep £80.80Income tax £13.72NI £5.49
Where you sit in the tax bands
you · £40,000
0%
20%
40%
45%
£10,270 more and you reach the 40% higher rate, which starts at £50,270.
Rates for 2026/27 (England, Wales, NI)
| Personal allowance | £0 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% |
| Employee NI | £12,570 to £50,270 / above | 8% / 2% |
| Employer NI | over £5,000 | 15% |
Quick answers
Why is my payslip a little different?
This works on your yearly pay. Payslips are worked out each payday, and your tax code may not be 1257L.
What is the 60% tax trap?
Between £100,000 and £125,140 you lose £1 of tax-free allowance for every £2 you earn, so each extra pound is taxed at an effective 60%, plus 2% NI.
Do you keep the numbers I type?
No. The sums run in your browser and nothing you type is sent anywhere.
Sources: GOV.UK income tax rates · GOV.UK National Insurance rates · Estimates for PAYE employees, not financial advice.