salary · Kael Tripton Hub

UK Salary Calculator and Take-Home Pay Hub 2026

Calculate take-home pay for any salary £20,000 to £200,000 using HMRC 2026/27 rates. 47 salary band guides, three calculators and the complete UK salary guide.

Indexing 409 guides · Updated automatically as new guides publish

Key statisticsUK Salary Statistics 2026

Editor's Note
This hub indexes 47 individual salary band guides plus three calculators. All figures use HMRC 2026/27 rates: Personal Allowance £12,570, basic rate 20% to £50,270, higher rate 40% to £125,140, additional rate 45% above. Numbers are England, Wales and Northern Ireland baseline. Scottish income tax rates differ from £15,397 upward. Each band page shows exact monthly, weekly and daily take-home plus what £X realistically affords in 2026.

QUICK REFERENCE · 2026/27 RATES

Five Popular Salaries at a Glance

Gross Salary	Annual Take-Home	Monthly	Effective Tax
£25,000	£21,520	£1,793/mo	13.9%
£35,000	£28,720	£2,393/mo	17.9%
£50,000	£39,520	£3,293/mo	21.0%
£75,000	£54,057	£4,505/mo	27.9%
£100,000	£68,557	£5,713/mo	31.4%

For a salary not in this table, scroll down to the full 47-band index. For Scottish rates, pension contributions and student loans, use the Full UK Income Tax Calculator.

Find Your Salary Band

Click any salary band for the full guide: exact monthly, weekly and daily take-home, what that salary buys you in 2026, regional comparisons, pension contribution worked examples and FAQs.

£20,000 to £40,000 - Basic Rate Band

Salary	Take-Home/yr	Monthly	Effective	Tax Band
£20,000	£17,920	£1,493	10.4%	Basic rate
£21,000	£18,640	£1,553	11.2%	Basic rate
£22,000	£19,360	£1,613	12.0%	Basic rate
£23,000	£20,080	£1,673	12.7%	Basic rate
£24,000	£20,800	£1,733	13.3%	Basic rate
£25,000	£21,520	£1,793	13.9%	Basic rate
£26,000	£22,240	£1,853	14.5%	Basic rate
£27,000	£22,960	£1,913	15.0%	Basic rate
£28,000	£23,680	£1,973	15.4%	Basic rate
£29,000	£24,400	£2,033	15.9%	Basic rate
£30,000	£25,120	£2,093	16.3%	Basic rate
£31,000	£25,840	£2,153	16.6%	Basic rate
£32,000	£26,560	£2,213	17.0%	Basic rate
£33,000	£27,280	£2,273	17.3%	Basic rate
£34,000	£28,000	£2,333	17.6%	Basic rate
£35,000	£28,720	£2,393	17.9%	Basic rate
£36,000	£29,440	£2,453	18.2%	Basic rate
£37,000	£30,160	£2,513	18.5%	Basic rate
£38,000	£30,880	£2,573	18.7%	Basic rate
£39,000	£31,600	£2,633	19.0%	Basic rate
£40,000	£32,320	£2,693	19.2%	Basic rate

£42,000 to £60,000 - Higher Rate Crossover

Salary	Take-Home/yr	Monthly	Effective	Tax Band
£42,000	£33,760	£2,813	19.6%	Basic rate
£44,000	£35,200	£2,933	20.0%	Basic rate
£46,000	£36,640	£3,053	20.3%	Basic rate
£48,000	£38,080	£3,173	20.7%	Basic rate
£50,000	£39,520	£3,293	21.0%	Basic rate
£52,000	£40,717	£3,393	21.7%	Higher rate
£54,000	£41,877	£3,490	22.4%	Higher rate
£56,000	£43,037	£3,586	23.1%	Higher rate
£58,000	£44,197	£3,683	23.8%	Higher rate
£60,000	£45,357	£3,780	24.4%	Higher rate

£65,000 to £100,000 - Higher Rate

Salary	Take-Home/yr	Monthly	Effective	Tax Band
£65,000	£48,257	£4,021	25.8%	Higher rate
£70,000	£51,157	£4,263	26.9%	Higher rate
£75,000	£54,057	£4,505	27.9%	Higher rate
£80,000	£56,957	£4,746	28.8%	Higher rate
£85,000	£59,857	£4,988	29.6%	Higher rate
£90,000	£62,757	£5,230	30.3%	Higher rate
£95,000	£65,657	£5,471	30.9%	Higher rate
£100,000	£68,557	£5,713	31.4%	Higher rate

£110,000 and Above - Taper and Additional Rate

Salary	Take-Home/yr	Monthly	Effective	Tax Band
£110,000	£72,357	£6,030	34.2%	PA taper zone
£120,000	£76,157	£6,346	36.5%	PA taper zone
£125,000	£78,057	£6,505	37.6%	PA taper zone
£130,000	£80,686	£6,724	37.9%	Additional rate
£140,000	£85,986	£7,166	38.6%	Additional rate
£150,000	£91,286	£7,607	39.1%	Additional rate
£175,000	£104,536	£8,711	40.3%	Additional rate
£200,000	£117,786	£9,816	41.1%	Additional rate

Calculators and Rates Reference

Three free tools for calculating take-home pay, comparing salary against living costs, and looking up the exact 2026/27 tax bands.

CALCULATOR

UK Income Tax Calculator 2026

Exact take-home pay for any salary including pension, student loan and Scottish rates.

Open →

CALCULATOR

Salary and Cost of Living Calculator

Pick a salary, pick a city. See take-home, essentials and disposable income across 10 UK cities.

Open →

REFERENCE

UK Income Tax Rates 2026/27

Personal Allowance, basic, higher and additional rates plus NI thresholds in one reference.

Open →

The Complete UK Salary Guide

17-MIN MASTER GUIDE

UK Salary Guide 2026: Every Salary Question Answered

Hourly rate calculations, average UK salary, what counts as a good salary, pro rata, salary sacrifice, gross vs net, OTE, DOE, final salary pensions, negotiation tactics and the highest paying jobs in the UK in 2026.

Read the master guide →

Topic Deep-Dives

Specialist guides covering the parts of UK pay that need their own walkthrough.

PENSION

Salary Sacrifice Pension 2026

How salary sacrifice works, NI savings, employer benefits and what to watch out for.

Open →

HMRC

Wrong Tax Code 2026

How to check your tax code is correct and how to claim a refund if HMRC has overcharged you.

Open →

HMRC

Uniform Tax Refund 2026

Claim work clothing tax relief: who qualifies, how much, and how to backdate four years.

Open →

EMPLOYMENT

Bank Holiday Pay Rights 2026

What your employer must pay you for bank holiday work: statutory rights and contract terms.

Open →

HMRC

Find Your NI Number UK

Find your National Insurance number fast: HMRC app, payslip, P60 and the lost number form.

Term life, income protection and critical illness from FCA-authorised insurers.

How household income affects your child s maintenance loan, the government expectation on parental contribution, and how to apply for reassessment if income changes.

21 Jun 2026 Read →

HMRC Student Loan Error: 71,000 Graduates Given Wrong Balances - Are You Affected?

Around 71,000 UK graduates with Plan 2 student loans received incorrect balance calculations after two technical errors involving HMRC income data. Some 41,000 were overcharged; 30,000 now face higher balances after being undercharged. No compensation will be paid.

19 Jun 2026 Read →

AO World Moves 200 Jobs to South Africa: What Rising Employer NI Costs Mean for UK Workers

AO World has moved 150 sales and call-centre roles to South Africa, with 50 more expected to follow. Founder John Roberts cited higher National Insurance contributions and minimum wage increases adding 8.5 million pounds to costs. The company reported record profits of 50.5 million pounds.

18 Jun 2026 Read →

UK Job Vacancies Fall to 707000: What the Weakest Labour Market Since 2021 Means for Workers

UK job vacancies fell to 707,000 in the March to May 2026 period, the lowest level since February to April 2021, according to ONS data published today. New hires tracked by HMRC dropped to 540,000 in April 2026, also the lowest since March 2021.

18 Jun 2026 Read →

HMRC Mileage Rate Rises to 55p: What Employers and Employees Must Do Now

HMRC's Approved Mileage Allowance Payment rate for cars and vans has risen from 45p to 55p per mile for the first 10,000 business miles, backdated to 6 April 2026. The first increase in 15 years affects up to 3 million employees and self-employed people.

18 Jun 2026 Read →

salary

UK Salary and Hourly Wage Calculator: Take-Home Pay After Tax and National Insurance 2026/27

UK take-home pay depends on gross salary, Income Tax band, National Insurance class and pension contributions. In 2026/27 the personal allowance is 12,570 pounds and the basic rate applies from 12,571 to 50,270 pounds.

16 Jun 2026 Read →

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Pro Rata Salary UK: How It Is Calculated for Part-Time Workers and What to Check on Your Payslip

Pro rata salary is calculated by dividing the full-time equivalent salary by the number of full-time hours and multiplying by the hours actually worked. It applies equally to annual leave, pension contributions and other benefits.

16 Jun 2026 Read →

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NHS Low Income Scheme UK: HC1 Form, Who Qualifies and What It Covers

The NHS Low Income Scheme helps people on low incomes get help with health costs including prescriptions, dental treatment, eye tests and hospital travel. Apply using form HC1 to receive an HC2 or HC3 certificate.

16 Jun 2026 Read →

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UK Minimum Wage 2026: Current Rates, Who Is Entitled and How It Is Enforced

The UK National Living Wage and National Minimum Wage rates changed in April 2026. This guide covers current rates by age group, who qualifies, exemptions and how HMRC enforces compliance.

6 Jun 2026 Read →

Average Dentist Salary Uk: UK pay context using ONS ASHE data, HMRC tax thresholds and statutory minimum wage rates.

24 May 2026 Read →

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HMRC Mileage Rate Rises to 55p Per Mile in 2026

HMRC has increased the approved mileage rate to 55p per mile for the first 10,000 business miles in 2026, up from 45p. Here is what it means.

22 May 2026 Read →

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What Is Life Like in the UK on £2,000 a Month?

What £2,000 a month covers in the UK in 2026: tax breakdown, rent by region, energy and council tax, and how much you can realistically save.

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£44,000 After Tax UK 2026 - Take-Home Pay Breakdown

4 Apr 2026 Read →

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£20,000 After Tax UK 2026 - Take-Home Pay Breakdown

£20,000 after tax in 2026/27 is £17,920 per year, or £1,493 per month. Full breakdown of income tax, NI, monthly, weekly and daily take-home plus what £20,000 affords in 2026.

4 Apr 2026 Read →

Tax & HMRC