GeraJobs / Take-Home Pay
UK Take-Home Pay Calculator 2026/27
Your real take-home after Income Tax, National Insurance, pension, student loan and council tax — computed from official HMRC 2026/27 rates and real regional council-tax data.
What is my take-home pay after tax and National Insurance in the UK for 2026/27?
In 2026/27, a £30,000 salary leaves £25,120 take-home (£2,093/month) and a £50,000 salary leaves £39,520 (£3,293/month), after 20%/40% Income Tax and 8%/2% employee NI on a £12,570 allowance. Source: HMRC (OGL v3.0). Gera re-dates these annually.
Gera Take-Home Index
How many pence of every £1 of gross salary you keep after Income Tax and employee National Insurance. Computed from real HMRC 2026/27 rates.
How this is calculatedGera Take-Home Pay Calculator (2026/27)
Enter your salary and options to see your real take-home after Income Tax, National Insurance, pension, student loan and council tax — using the official HMRC 2026/27 rates and real regional council-tax figures.
- Gross salary
- £40,000
- Income Tax
- − £5,486
- Employee National Insurance
- − £2,194
- Pension
- − £2,000
- Student loan
- − £0
Take-home pay: £30,320 a year (£2,527 a month).
Uses rest-of-UK Income Tax bands. Scottish taxpayers pay different Income Tax rates (NI is the same UK-wide). A model based on real HMRC 2026/27 rates — not personal tax advice.
Take-home pay by salary (2026/27)
| Gross salary | Take-home (yr) | Take-home (mo) | Gera Take-Home Index |
|---|---|---|---|
| £20,000 | £17,920 | £1,493 | 89.6p |
| £22,000 | £19,360 | £1,613 | 88.0p |
| £24,000 | £20,800 | £1,733 | 86.7p |
| £25,000 | £21,520 | £1,793 | 86.1p |
| £26,000 | £22,240 | £1,853 | 85.5p |
| £28,000 | £23,680 | £1,973 | 84.6p |
| £30,000 | £25,120 | £2,093 | 83.7p |
| £32,000 | £26,560 | £2,213 | 83.0p |
| £35,000 | £28,720 | £2,393 | 82.1p |
| £38,000 | £30,880 | £2,573 | 81.3p |
| £40,000 | £32,320 | £2,693 | 80.8p |
| £42,000 | £33,760 | £2,813 | 80.4p |
| £45,000 | £35,920 | £2,993 | 79.8p |
| £48,000 | £38,080 | £3,173 | 79.3p |
| £50,000 | £39,520 | £3,293 | 79.0p |
| £55,000 | £42,457 | £3,538 | 77.2p |
| £60,000 | £45,357 | £3,780 | 75.6p |
| £65,000 | £48,257 | £4,021 | 74.2p |
| £70,000 | £51,157 | £4,263 | 73.1p |
| £75,000 | £54,057 | £4,505 | 72.1p |
| £80,000 | £56,957 | £4,746 | 71.2p |
| £85,000 | £59,857 | £4,988 | 70.4p |
| £90,000 | £62,757 | £5,230 | 69.7p |
| £95,000 | £65,657 | £5,471 | 69.1p |
| £100,000 | £68,557 | £5,713 | 68.6p |
| £110,000 | £72,357 | £6,030 | 65.8p |
| £120,000 | £75,914 | £6,326 | 63.3p |
| £125,000 | £77,439 | £6,453 | 62.0p |
| £130,000 | £80,057 | £6,671 | 61.6p |
| £150,000 | £90,657 | £7,555 | 60.4p |
Figures exclude pension, student loan and council tax (add them in the calculator above). Effective deductions rise as salary crosses the £50,270 higher-rate threshold.
Take-home after council tax by region
- £40,000 in North East — after £2,526 council tax
- £40,000 in North West — after £2,483 council tax
- £40,000 in Yorkshire and The Humber — after £2,374 council tax
- £40,000 in East Midlands — after £2,457 council tax
- £40,000 in West Midlands — after £2,400 council tax
- £40,000 in East — after £2,391 council tax
- £40,000 in London — after £2,090 council tax
- £40,000 in South East — after £2,475 council tax
- £40,000 in South West — after £2,511 council tax
UK take-home pay — FAQ
- How is UK take-home pay calculated for 2026/27?
- Take-home = gross salary minus Income Tax, employee National Insurance, any pension contribution and any student-loan repayment. For 2026/27 the Personal Allowance is £12,570, Income Tax is 20% to £50,270, 40% to £125,140 and 45% above; employee NI is 8% between £12,570 and £50,270 and 2% above. Source: HMRC (OGL v3.0).
- What is the take-home pay on £40,000 in the UK?
- A £40,000 salary in 2026/27 gives £32,320 take-home a year — £2,693 a month — after £5,486 Income Tax and £2,194 employee National Insurance (before pension, student loan or council tax). Source: HMRC (OGL v3.0).
- Does this include council tax, pension and student loan?
- The calculator can add all three. Council tax uses the real Band D area figure for your English region (MHCLG FY 2026-27); the pension contribution is your own chosen % of gross (5% is the auto-enrolment minimum); the student-loan deduction uses your GOV.UK plan threshold and rate. Each is shown as a separate line.
- Does this work for Scotland?
- These figures use the rest-of-UK Income Tax bands (England, Wales and Northern Ireland). Scottish Income Tax has different bands and rates, so a Scottish taxpayer’s Income Tax will differ — National Insurance is the same UK-wide. This is flagged on each page.
- What is the Gera Take-Home Index?
- The Gera Take-Home Index is how many pence in each £1 of gross salary you keep after Income Tax and employee National Insurance. On £40,000 it is 80.8p in the pound. It lets you compare how much of a salary you actually keep, using only real HMRC rates.
Methodology
Take-home = gross − Income Tax − employee National Insurance − pension − student loan. Income Tax (2026/27): Personal Allowance £12,570 (reduced by £1 per £2 of income over £100,000, zero at £125,140); 20% to £50,270, 40% to £125,140, 45% above. Employee National Insurance: 8% between £12,570 and £50,270, 2% above. The pension contribution is your own chosen % of gross (5% is the auto-enrolment minimum). Council tax uses the real average Band D area figure for each English region (MHCLG, FY 2026-27). The Gera Take-Home Index is 100 × (gross − Income Tax − NI) ÷ gross. Sources: HMRC and MHCLG, Open Government Licence v3.0. Rest-of-UK bands; Scottish Income Tax differs.
Get the new tax thresholds when they change
UK Income Tax, NI and council-tax figures change every April. Save your email and we'll send the updated take-home figures as soon as they're confirmed.
Sources: HMRC — Income Tax rates and Personal Allowance + Class 1 employee National Insurance, 2026 to 2027; MHCLG — Council Tax levels set by local authorities in England 2026 to 2027 (Band D area); HM Land Registry — UK House Price Index (April 2026); GOV.UK Student Loans Company thresholds (6 April 2026). All Open Government Licence v3.0. The Gera Take-Home Index is computed by GeraJobs from these figures; no figure is modelled or interpolated. A guide, not personal tax advice.