Last updated: April 2026 · Reflects 2026/27 tax year
UK Salary After Tax 2026/27: Take-Home Pay by Salary Level
How much of your salary do you actually keep? Below you'll find take-home pay figures for every £5,000 step from £20,000 to £100,000, reflecting 2026/27 income tax and National Insurance rates. Click any salary card to see a full breakdown including tax bands, NI contributions, and monthly take-home pay.
£20,000
Take-home: £17,920
Monthly: £1,493
10.4% effective rate
£25,000
Take-home: £21,520
Monthly: £1,793
13.9% effective rate
£30,000
Take-home: £25,120
Monthly: £2,093
16.3% effective rate
£35,000
Take-home: £28,720
Monthly: £2,393
18.0% effective rate
£40,000
Take-home: £32,320
Monthly: £2,693
19.2% effective rate
£45,000
Take-home: £35,920
Monthly: £2,993
20.2% effective rate
£50,000
Take-home: £39,520
Monthly: £3,293
20.9% effective rate
£55,000
Take-home: £42,457
Monthly: £3,538
22.8% effective rate
£60,000
Take-home: £45,358
Monthly: £3,780
24.4% effective rate
£65,000
Take-home: £48,257
Monthly: £4,021
25.8% effective rate
£70,000
Take-home: £51,157
Monthly: £4,263
26.9% effective rate
£75,000
Take-home: £54,057
Monthly: £4,505
27.9% effective rate
£80,000
Take-home: £56,957
Monthly: £4,746
28.8% effective rate
£85,000
Take-home: £59,857
Monthly: £4,988
29.6% effective rate
£90,000
Take-home: £62,757
Monthly: £5,230
30.3% effective rate
£95,000
Take-home: £65,657
Monthly: £5,471
30.9% effective rate
£100,000
Take-home: £68,557
Monthly: £5,713
31.4% effective rate
⚠ PA taper
How UK Income Tax Works
Everyone in the UK gets a tax-free Personal Allowance of £12,570. After that, income tax is charged in bands. The more you earn, the higher the rate on each additional pound — but only the portion within each band is taxed at that rate.
| Band | Taxable income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 – £50,270 | 20% |
| Higher rate | £50,271 – £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
These thresholds are frozen until April 2031. Use our Take-Home Pay Calculator for a personalised breakdown including student loans, pensions, and Scottish tax rates.
The £100k Tax Trap
Once your income exceeds £100,000, your Personal Allowance is reduced by £1 for every £2 earned above the threshold. This creates a hidden 60% effective marginal rate on income between £100,000 and £125,140. For example, a £1,000 pay rise from £100,000 to £101,000 only puts around £400 in your pocket.
Common strategies to avoid the trap include pension contributions and salary sacrifice. Read our full guide: The £100k Tax Trap Explained.
Want a personalised calculation?
Our full calculator handles any salary amount, Scottish tax, student loans, pension contributions, and multiple tax years.
Open Take-Home Pay CalculatorFigures are estimates for the 2026/27 tax year assuming a standard tax code (1257L), no student loan, no pension, and employment income only. Use the full calculator for a personalised result.