Money / ACTUALLY USEFUL
UK salary take-home pay
Income Tax, NI, pension and student loans for the 2026/27 tax year.
YOUR NUMBERSResults update as you type
Monthly take-home£2,573.30
Annual take-home£30,879.60
Weekly take-home£593.84
Personal allowance£12,570.00
Detailed breakdown (7 rows)
| Item | Year | Month | Week |
|---|---|---|---|
| Gross pay | £40,000.00 | £3,333.33 | £769.23 |
| Pension | £2,000.00 | £166.67 | £38.46 |
| Income Tax | £5,086.00 | £423.83 | £97.81 |
| Employee NI | £2,034.40 | £169.53 | £39.12 |
| Student loan | £0.00 | £0.00 | £0.00 |
| Postgraduate loan | £0.00 | £0.00 | £0.00 |
| Take-home | £30,879.60 | £2,573.30 | £593.84 |
Method & assumptions
Tax year 6 April 2026–5 April 2027. Standard personal allowance with £100,000 taper; NI category A, employed and below State Pension age. Annualised estimates: payroll period rounding, tax codes, bonuses, benefits, other income and remaining student-loan balance can change actual deductions. Pension is a percentage of full salary, not qualifying earnings; relief-at-source schemes are not modelled.
SOURCES · CHECKED 12 SEPTEMBER 2026