Your salary after tax is what you keep once Income Tax and National Insurance have been deducted from your gross pay. For 2026/27, Income Tax applies above the £12,570 Personal Allowance at 20%, 40% and 45%, and National Insurance at 8% and 2%. The calculator above shows your salary after tax, both monthly and yearly.
If you also pay into a pension or repay a student loan, those come off too. Scotland sets its own Income Tax bands, which the calculator applies separately.
How is salary after tax calculated in 2026/27?
Deduct Income Tax on earnings above your £12,570 Personal Allowance, then National Insurance, then any pension or student loan, using HMRC's Income Tax rates and the National Insurance thresholds.
| Gross salary (2026/27) | Income Tax + NI (approx) | Take-home (approx) |
|---|---|---|
| £20,000 | £2,080 | £17,920 |
| £30,000 | £4,880 | £25,120 |
| £50,000 | £10,480 | £39,520 |
These figures assume the standard tax code, England/Wales/Northern Ireland, and no pension or student loan.
What is £30,000 after tax?
A £30,000 salary in 2026/27 leaves about £25,120 after Income Tax (£3,486) and National Insurance (£1,394), or roughly £2,093 a month, before pension or student loan. To add those deductions, use the take-home pay calculator.
How can I keep more of my salary?
Pension salary sacrifice cuts both Income Tax and National Insurance, and checking your tax code stops you overpaying. If you also run a company, a salary and dividend mix can be more efficient than salary alone. Our free Tax Health Check reviews your whole position.
Related guides and calculators
- UK salary and tax rate guide
- Salary vs dividends for 2026/27
- Take-home pay calculator
- National Insurance calculator
Frequently asked questions
What is £30,000 after tax in 2026/27?
A £30,000 salary leaves about £25,120 after Income Tax of £3,486 and National Insurance of £1,394, which is roughly £2,093 a month. This assumes the standard tax code and no pension or student loan deductions.
How much of my salary is taxed?
You pay no Income Tax on the first £12,570, your Personal Allowance. Income above that is taxed at 20% up to £50,270, 40% up to £125,140 and 45% above, in England, Wales and Northern Ireland for 2026/27.
What is £50,000 after tax?
A £50,000 salary leaves about £39,520 after Income Tax and National Insurance for 2026/27. It sits just below the £50,270 higher-rate threshold, so it is taxed entirely at the 20% basic rate before National Insurance.
Does salary after tax include pension and student loan?
The base figure covers Income Tax and National Insurance. The calculator lets you add pension contributions and a student loan plan, which reduce your take-home pay further, for a complete picture.
Is salary after tax the same as take-home pay?
They mean much the same thing: the money you keep after deductions. Salary after tax usually focuses on Income Tax and National Insurance, while take-home pay also factors in pension and student loan repayments.