Enter a UK salary and this calculator applies the 2026–27 income tax bands and employee National Insurance for England, Wales and Northern Ireland. You get the tax split by band, the National Insurance bill, and a monthly take-home figure. Scottish taxpayers are on a different set of bands and are not covered here.
Income tax and employee contributions, 2026–27 rates.
| Breakdown | Amount |
|---|
Estimates for a single employee with standard allowances, calculated in your browser. Rates checked October 2026. Not tax advice.
The first £12,570 of income is covered by the personal allowance and taxed at nothing. Above that, income is taxed at 20% up to a taxable income of £37,700, then 40%, and 45% once income passes £125,140. The thresholds are frozen again for 2026–27, so a pay rise can quietly pull more of your salary into the 40% band even though the rates have not changed. One catch worth knowing: the allowance shrinks by £1 for every £2 earned above £100,000 and disappears at £125,140. This calculator does not model that taper, so results between £100,000 and £125,140 will understate the real tax bill.
National Insurance is charged on top of income tax, on a slightly different set of thresholds. Employees pay 8% on earnings between £12,570 and £50,270, then 2% on anything above that. Because it is worked out per pay period rather than across the year, one unusually large payslip, a bonus month for example, can carry more National Insurance than the annual maths suggests.
| Taxable income band | Rate |
|---|---|
| Up to £37,700 | 20% |
| £37,700 – £112,570 | 40% |
| Above £112,570 | 45% |
Bands apply to taxable income — what is left after the personal allowance of £12,570.
| Gross salary | Income tax | Social | Take-home | Effective rate |
|---|---|---|---|---|
| £19,000 | £1,286 | £514 | £17,200 | 9.5% |
| £37,500 | £4,986 | £1,994 | £30,520 | 18.6% |
| £75,500 | £17,632 | £3,521 | £54,347 | 28.0% |
| £150,500 | £48,900 | £5,021 | £96,579 | 35.8% |
On £37,500 a year, take-home pay in United Kingdom is £30,520 — about £2,543 a month — after £4,986 in income tax and £1,994 in social contributions. Salary levels are the local equivalents of US$25,000 / $50,000 / $100,000 / $200,000 at the ECB reference rate of 28 October 2026, rounded.
| Contribution | Rate | Applies from | Applies up to |
|---|---|---|---|
| National Insurance | 8% · 2% above the cap | £12,570 | £50,270 |
Employee side only. Employer contributions, where a country charges them, do not come out of your pay and are not in these results.
The same salary under both tax systems, worked through at several income levels.
Compare them →The same salary under both tax systems, worked through at several income levels.
Compare them →The same salary under both tax systems, worked through at several income levels.
Compare them →The same salary under both tax systems, worked through at several income levels.
Compare them →The same salary under both tax systems, worked through at several income levels.
Compare them →The same salary under both tax systems, worked through at several income levels.
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