Official 2026/27 rules
Thresholds checked against HMRC and GOV.UK, with the sources published in our methodology.
UK salary calculator · 2026/27
Salary in. Real take-home pay out.
See what lands in your bank after Income Tax, National Insurance, pension and student loans—without handing over personal details.
Estimated take-home
£2,693.35/ month
You keep 80.8% of gross pay
Per year£32,320.16
Per month£2,693.35
Per week£621.54
Tax code1257L
Where your salary goes
£40,000 grossTake-home pay£32,320.16
Income Tax−£5,486.00
National Insurance−£2,193.84
Assumptions
One employment with evenly spread regular payEmployee National Insurance category ANI and student loans calculated using monthly payroll thresholds
England · 2026/27 rules · verified 17 Sep 2026 · Methodology
Payroll-aware deductions
NI and student loans use monthly or weekly thresholds instead of a fake annual shortcut.
Pension methods kept separate
Salary sacrifice, net pay and relief at source are calculated differently because they are different.