Work out UK take-home pay for the 2026/27 tax year: income tax, National Insurance, the £100,000 allowance taper and an optional salary-sacrifice pension.
Loading calculator...
Enter your numbers to see a result.
With annual gross salary (£) 50,000, salary-sacrifice pension (%) 0, the take-home pay per year is £39,519.60.
| Annual gross salary (£) | 50,000 |
|---|---|
| Salary-sacrifice pension (%) | 0 |
| Take-home pay per year | £39,519.60 |
|---|---|
| Take-home pay per month | £3,293.30 |
| Total tax and contributions | £10,480.40 |
| Average tax rate | 20.96% |
| Marginal rate on extra pay | 28% |
| Income tax | £7,486.00 |
| National Insurance | £2,994.40 |
| Pension contribution (saved, not lost) | £0.00 |
Amounts are shown in GBP for illustration. Choose your own currency in the calculator above; it labels amounts and does not convert them.
Income tax is 20% on taxable pay up to £37,700 above the £12,570 personal allowance, 40% up to £125,140 and 45% above. The allowance shrinks by £1 for every £2 over £100,000, which creates a very high effective rate in that range. Employee National Insurance is 8% between £12,570 and £50,270 and 2% above. Figures checked against gov.uk in October 2026.
Try changing one input at a time. The live result helps you see which assumption has the greatest effect.
Use Save scenario A, change an input, and compare both results side-by-side. You can also share your settings using a link.
Take-home = pay − pension − income tax − employee National Insurance. Income tax is 20% on taxable pay up to £37,700 above the £12,570 personal allowance, 40% up to £125,140 and 45% above. The allowance shrinks by £1 for every £2 over £100,000, which creates a very high effective rate in that range. Employee National Insurance is 8% between £12,570 and £50,270 and 2% above. Figures checked against gov.uk in October 2026.
With annual gross salary (£) 50,000, salary-sacrifice pension (%) 0, the take-home pay per year is £39,519.60. Take-home pay per month: £3,293.30; Total tax and contributions: £10,480.40; Average tax rate: 20.96%; Marginal rate on extra pay: 28%; Income tax: £7,486.00; National Insurance: £2,994.40; Pension contribution (saved, not lost): £0.00.
England, Wales and Northern Ireland rates. This is an estimate based on the inputs and assumptions shown on this page, not professional advice. Check anything with financial, health or safety consequences independently.
Yes. Calculations run in your browser and your numbers are not sent to a server. A share link contains the inputs you choose to share, so check it before sending it to anyone.
Yes. Pick from 33 currencies and the amounts are labelled to match. The selector does not convert between currencies, so enter prices in your own currency.