Take-Home Pay Calculator 2026/27
Enter your gross pay to see income tax, employee National Insurance and your net take-home pay for the 2026/27 tax year.
Take-home pay
£39,520 / year
£3,293 / month · £760 / week
| Gross pay | £50,000 |
| Personal allowance | £12,570 |
| Income tax | − £7,486 |
| Employee National Insurance | − £2,994 |
| Net take-home | £39,520 |
Effective deduction rate: 21.0%. Assumes a standard 1257L tax code, no pension contributions, no student loan, under State Pension age.
How the maths works (2026/27)
- Income tax is progressive — each rate applies only to the slice of income in that band.
- Personal allowance £12,570 tapers by £1 for every £2 over £100,000 (gone at £125,140).
- Employee NI: 8% between £12,570 and £50,270, then 2% above.
- Scotland uses six bands (19%–48%) on the same £12,570 allowance.