Take-home pay guides

Gross pay and take-home pay can differ by more than a third once tax, National Insurance and thresholds are applied. Below is how each deduction works – or run your own numbers through the calculator.

See your own take-home payTake-home pay calculator – UKEnter your gross salary and the calculator works out Income Tax, National Insurance and what actually lands in your account for the 2026/27 tax year.Go to the take-home pay calculator

Basics

BasicsTake-home pay in the UK 2026/27: tax, National Insurance and what's leftA £35,000 salary in the UK doesn't mean £35,000 in your account. Income Tax and National Insurance take a predictable, calculable share, and the 2026/27 tax year runs from 6 April 2026 on the same thresholds as the previous year.8 min read

Deductions

DeductionsThe 60% tax trap: why earning £100k–£125,140 costs you more than you thinkA pay rise from £100,000 to £110,000 sounds like £10,000 extra. In practice, well over half of it disappears – not because of a special tax band, but because the Personal Allowance itself gets taken away as you earn more.7 min read

Benefits

BenefitsStatutory Sick Pay 2026/27: how much you get and from which dayStatutory Sick Pay changed shape on 6 April 2026: the three unpaid waiting days are gone, the earnings floor that used to exclude low-paid and part-time staff is gone, and the payment itself is a flat weekly cap unless you earn very little.7 min read