Take-home calculator
Estimate Income Tax and employee National Insurance for England, Wales and Northern Ireland. Scotland uses different Income Tax bands — treat this as a quick guide.
Income Tax
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National Insurance
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Annual take-home
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Monthly take-home
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Uses a simplified 2026/27-style England/Wales/NI model: Personal Allowance £12,570 (tapered above £100,000), basic 20%, higher 40%, additional 45%, and employee NI at 8% between £12,570 and £50,270 then 2% above. No pension or student loan.
Example take-home bands
£ kept / year
- £15,000£14,320
- £20,000£17,920
- £25,000£21,520
- £30,000£25,120
- £35,000£28,720
- £40,000£32,320
- £50,000£39,520
- £60,000£45,357
- £80,000£56,957
- £100,000£68,557
Want the story behind the numbers? Browsesalary articlesor thereference datatables.