The Pay Packet

Salary after tax

Pick a salary to see exactly what reaches your bank account in 2026/27 — Income Tax, National Insurance, pension and student loan, with the effective and marginal rate and what it’s worth in real terms. Or work out any figure on the main take-home calculator.

Tax-free (under £12,570)

No Income Tax and no National Insurance.

Basic rate (£12,570–£50,270)

20% Income Tax plus 8% National Insurance.

Higher rate (£50,270–£100,000)

40% on the top slice — pensions get valuable here.

The £100k trap (£100,000–£125,140)

The Personal Allowance tapers away — an effective 60% band.

Additional rate (over £125,140)

No Personal Allowance; 45% at the top.