UK take-home pay calculator and salary tables, 2026-27
Take-home pay after Income Tax, National Insurance, student loan and pension, with England, Wales and Northern Ireland and Scotland side by side. Each rate shows the GOV.UK or legislation page it came from and the date it was checked. Nothing you type leaves your browser.
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2026-27 key rates at a glance
| Personal Allowance | £12,570 |
| Basic rate, £12,571 to £50,270 | 20% |
| Higher rate, £50,271 to £125,140 | 40% |
| Additional rate, over £125,140 | 45% |
| Scottish rates | 19%, 20%, 21%, 42%, 45%, 48% |
| Allowance reduced from | £100,000 |
| National Insurance (employee) | 8% to £50,270, then 2% |
| Student loan repayment, Plan 2 | 9% over £29,385 |
The tax year runs from 6 April 2026 to 5 April 2027. Every value, its source and the date it was checked is on Sources and rates.