UK take-home pay

Salary calculator

Tax year 2026/27

Bonus is treated as taxable, NI, and loanable income. Pension is still calculated from base salary in this version.

The Tax code field is required.
Common examples 1257L, S1257L, BR, D0, 0T, K475

For schemes such as an EV car salary sacrifice. This reduces taxable, NI, and loanable pay, but does not include company car benefit-in-kind tax. Read the UK salary sacrifice guide.

Advanced scenario

Pay rise comparison

Compare your current salary with a target offer using the same tax code, pension, bonus, loans, and salary sacrifice assumptions.

Estimated annual take-home £30,720 £2,559.97 monthly · £590.76 weekly
Monthly take-home £2,559.97 annual take-home divided by 12
Monthly £2,559.97 12 payments
Four-weekly £2,363.05 13 payments
Fortnightly £1,181.52 26 payments
Weekly £590.76 52 payments

Treat this as an annualised estimate. Your actual payroll may differ because of tax codes, payroll-period rounding, benefits, employer adjustments, or deductions that are not included here.

Total gross income £40,000
Base salary £40,000
Annual bonus £0
Total deductions £9,280
Salary sacrifice £0
Taxable pay £25,430
Effective deduction rate 23.2%
Tax code used 1257L
Allowance from code £12,570

Personal allowance taken from the tax code number.

Deductions

Income tax £5,086 annual
£423.83 monthly £97.81 weekly
National Insurance £2,194 annual
£182.87 monthly £42.20 weekly
Pension £2,000 annual
£166.67 monthly £38.46 weekly

Income tax bands

Basic rate (20%) £5,086