Take-home pay calculator 2026/27
See what lands in your bank after income tax, National Insurance and your pension, using 2026/27 rates for England, Wales and Northern Ireland, or Scottish income tax bands.
Take-home per month
£1,943.43
£23,321 a year · £448.48 a week
- Gross pay (year)
- £29,120
- Income tax
- −£3,019
- National Insurance
- −£1,324
- Pension
- −£1,456
- Take-home (year)
- £23,321
Tax year 2026/27, standard tax code (1257L), employment income only. Doesn't include student loan repayments, benefits in kind or other income. Your payslip works per pay period, so single months can differ.
2026/27 rates used
Personal allowance £12,570, reduced by £1 for every £2 earned over £100,000. In England, Wales and Northern Ireland: 20% to £50,270, 40% to £125,140, 45% above. In Scotland: 19% starter, 20% basic, 21% intermediate, 42% higher, 45% advanced and 48% top rate.
Employee National Insurance is 8% on earnings between £12,570 and £50,270 a year, and 2% above that. National Insurance is the same across the UK.
Why your payslip might differ
Payroll works out tax and NI each pay period, so a month with extra overtime can take more NI than the yearly average suggests. Emergency tax codes, student loans, salary sacrifice and benefits in kind all change the figures too.
Common questions
How much tax do I pay on £30,000 in 2026/27?
In England, Wales or Northern Ireland, with no pension, about £3,486 income tax and £1,394 National Insurance, leaving roughly £25,120 a year or £2,093 a month.
Does working nights change how much tax I pay?
No. Night premiums and overtime are taxed the same as the rest of your pay. They can push you into a higher band if they take your yearly pay over the threshold.
Is the personal allowance changing?
It stays at £12,570 for 2026/27. The government has frozen it until April 2031.