Take-Home Pay in the United Kingdom (2026–27 UK tax year (6 April 2026 – 5 April 2027))
The UK taxes individuals, not households, so there is no filing-status choice — one set of bands applies to everyone. You pay 0% on the first £12,570 (the Personal Allowance), then 20%, 40%, and 45% bands, plus employee National Insurance of 8% then 2%. Note the Personal Allowance shrinks once you earn over £100,000, which creates an effective 60% marginal rate between £100,000 and £125,140.
Tax note: England, Wales & Northern Ireland income tax bands. Scotland sets its own bands and is not modeled. Figures are for the UK tax year 6 April 2026 – 5 April 2027.
Figures for the 2026–27 (6 April 2026 – 5 April 2027). The UK taxes individuals, so there is no filing-status choice.
Take-home pay
Monthly£3,780
Weekly£872
Annual£45,357
Take-home Income tax Nat. Insurance
Where it goes
| Gross pay | £60,000 |
|---|---|
| UK income taxmarginal 40%, effective 19.1% | −£11,432 |
| National Insurance (employee)Class 1, 8% then 2% | −£3,211 |
| Take-home pay | £45,357 |