£25k, £30k, £40k, £50k, £60k — What You Actually Take Home

The difference between your gross salary and your take-home pay can be surprisingly large — and the gap grows as your salary rises, because you move into higher tax and NI brackets. The figures below use the confirmed 2026/27 Income Tax and National Insurance rates: a Personal Allowance of £12,570, basic rate Income Tax at 20%, and Class 1 employee National Insurance at 8% (2% above £50,270). All figures are rounded to the nearest pound.

These are estimates based on England, Wales and Northern Ireland Income Tax rates. Scottish taxpayers pay different rates set by the Scottish Parliament. Pension contributions, student loan repayments, or other deductions would further reduce your take-home and are not included here. If your salary sits between these figures, use the calculator for a precise result.