UK take-home pay
Income tax and employee National Insurance on your salary for 2026/27, in England, Wales, Northern Ireland or Scotland.
You take home £3,127 a month
£37,520 a year after £6,986 income tax, £2,994 National Insurance and £2,500 into your pension. Your next pound costs 27.0% in tax and NI.
How this is calculated
England, Wales and NI: 20% on the first £37,700 above the £12,570 allowance, 40% to £125,140, then 45%.
allowance = £12,570 − (income − £100,000) ÷ 2
Salary sacrifice cuts your pay before tax and NI; relief at source and net pay save income tax only. Student loans, benefits in kind and the marriage allowance aren’t included. Rates for 2026/27; thresholds are frozen until 2031. Not tax advice.
Frequently asked questions
How much tax do I pay on my salary in the UK?
Outside Scotland, income tax is 20% between £12,570 and £50,270, 40% up to £125,140 and 45% above that. Employee National Insurance is 8% between £12,570 and £50,270 and 2% above.
What is the £100,000 tax trap?
Between £100,000 and £125,140 your personal allowance shrinks by £1 for every £2 you earn, so the effective rate is 60% plus National Insurance. Pension contributions that bring your income below £100,000 win the allowance back.
Is income tax different in Scotland?
Yes. Scotland has six bands from 19% to 48%. National Insurance is the same across the UK.
Does salary sacrifice save more than relief at source?
Yes. Salary sacrifice lowers your pay before both income tax and National Insurance are worked out, so it saves both. Relief at source and net pay arrangements save income tax only.