Take-home pay calculator
Your yearly salary, including any regular bonus.
The percentage of salary you pay in. Auto-enrolment minimum is 5%.
2026/27 tax year, assuming the standard 1257L tax code and no other income. Higher rate taxpayers using relief at source can claim extra relief on top.
Your take-home pay
£2,276.63
a month after tax, NI and pension
- Gross pay
- £2,916.67
- Income tax
- −£373.83
- National Insurance
- −£149.53
- Pension£145.83 goes into your pot
- −£116.67
- Take-home pay
- £2,276.63
- Monthly
- £2,276.63
- Of each extra £100 earned, you keep
- £72
How your pay is worked out
Four things come out of your salary before it reaches you:
- Income tax: nothing on the first £12,570, then 20% up to £50,270, 40% up to £125,140 and 45% above that. Scotland has six bands, from 19% to 48%.
- National Insurance: 8% between £12,570 and £50,270, then 2%.
- Student loan: 9% of what you earn over your plan's threshold, plus 6% over £21,000 if you have a Postgraduate Loan.
- Pension: at least 5% of qualifying earnings if you are auto-enrolled. How it is taken changes how much tax you save.
Relief at source, net pay or salary sacrifice?
Check your payslip or ask payroll which one your scheme uses.
- Relief at source: you pay from your taxed pay and the pension provider adds 20% back. £80 from you becomes £100 in the pot. Higher rate taxpayers claim the rest through Self Assessment.
- Net pay: your contribution is taken before income tax, so you get full relief automatically. You still pay National Insurance on it.
- Salary sacrifice: you give up part of your salary and your employer pays it into your pension. You save income tax and National Insurance.
Common salaries after tax
See the full breakdown for £25,000, £30,000, £40,000, £50,000 and other salaries.
Got a side hustle too?
Your employer only taxes your salary. If you earn on the side, use the side hustle tax calculator to see what to set aside, or read how side hustle tax works.
If your tax code is not 1257L, or you have benefits like a company car, your take-home pay will be different. Check your tax code in the HMRC app.
Questions
Common questions
How much is £30,000 a year after tax?
In 2026/27, a £30,000 salary in England, Wales or Northern Ireland with no pension or student loan leaves about £25,120 a year, or £2,093 a month. You pay £3,486 income tax and £1,394 National Insurance.
What is the tax-free Personal Allowance for 2026/27?
£12,570. It is frozen until April 2031. Above £100,000 it shrinks by £1 for every £2 you earn, so it disappears completely at £125,140.
How much National Insurance do employees pay?
8% on earnings between £12,570 and £50,270 a year, and 2% on anything above that.
When do I start repaying my student loan?
When your pay goes over your plan's threshold. For 2026/27 that is £26,900 for Plan 1, £29,385 for Plan 2, £33,795 for Plan 4 and £25,000 for Plan 5. You repay 9% of the amount above it. Postgraduate Loans are 6% above £21,000.
Is salary sacrifice worth it?
For most people, yes. Your pension contribution comes out before tax and National Insurance, so a basic rate taxpayer saves 28p in every £1 and a higher rate taxpayer 42p. It also lowers your student loan repayments. It can reduce how much you can borrow on a mortgage, so check before applying.
Sources
This tool gives an estimate for general information. It is not tax advice. Check your own position on GOV.UK or with an accountant.