How much of your salary do you keep?

Enter a yearly salary to see your take-home pay for 2026/27, after income tax, National Insurance, student loan and pension.

Where you pay tax
Pension details (optional)

Not sure? Check your payslip. If tax is worked out on your full pay and the pension comes off after, it's relief at source, where your provider adds 20% on top. Many auto-enrolment schemes use qualifying earnings. National Insurance is always charged on your full salary.

Your take-home pay£2,693a month

Per year
£32,320
Per week
£622
Per working day
£124.31

Where each £1 goes

  • Take-home pay81p in the ££32,320 a year
  • Income tax14p in the ££5,486 a year
  • National Insurance5p in the ££2,194 a year
Payslip for 2026/27
ItemYearMonth
Gross salary£40,000.00£3,333.33
Income tax−£5,486.00−£457.17
20% on £27,430£5,486.00£457.17
National Insurance−£2,194.40−£182.87
Take-home pay£32,319.60£2,693.30

Personal Allowance used: £12,570. Taxable income: £27,430.