United Kingdom · United Kingdom

UK take-home pay in 2026–27: income tax and National Insurance

England and Wales bands, the personal allowance, and employee Class 1 National Insurance from HMRC 2026–27 rates—plus what this profile leaves out.

A UK salary is reduced by income tax and employee National Insurance. They use different thresholds. A raise can change one, both, or neither, depending on where you sit on the two scales.

Income tax

This profile uses England and Wales bands and the standard personal allowance for 2026–27. Scottish bands are not included. The personal allowance tapers at high incomes in the published rules; check HMRC if your gross is in that range.

National Insurance

Employee Class 1 NI (category A) uses the HMRC 2026–27 thresholds and rates. It is not income tax. Directors, category letters other than A, and student-loan deductions are outside the profile.

What to ask your employer

Ask for the tax code, whether a workplace pension is deducted via salary sacrifice, and whether the role is paid monthly or four-weekly. Those items change the payslip even when annual tax is close to this model. Use the calculator for the annual England-and-Wales employee picture, then reconcile with the first payslip.

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United States 2026 tax year
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United Kingdom · 2026–27

Take-home pay after tax and National Insurance.

England and Wales income tax, the personal allowance, and employee Class 1 National Insurance from HMRC 2026–27 rates and thresholds.

Made for clearer money decisions. Tax data: 2026 · U.S. state brackets: provisional 2025 · Cost data: community snapshots

Published 2026 tax-year rules · official sources linked below

01 — YOUR SCENARIO

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Live calculation

Federal single filer · 2026 IRS rules · add a state for state income tax

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02 — YOUR TAKE-HOME

US · 2026

Take-home pay

$— / month

$— take-home per year

How gross pay is divided
In your pocket — Income tax — Payroll —

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Optional breakdown of tax bands, monthly cashflow, and effective versus marginal rates.

Monthly split of this salary

Effective rate versus top marginal rate

How taxable income is taxed

Top income-tax rates

Top marginal income-tax rates from the published tables in this profile. Payroll contributions and local taxes are excluded.

CountryTop rateSelection

Not tax advice. Rules vary by country, region, deductions, and payroll setup. Review the assumptions and official sources before making decisions. assumptions and sources

What’s included, and which sources?

The country models are starting-point estimates, not payroll calculations.

Estimates exclude individual credits and payroll adjustments and may differ from a payslip or tax return.

Tax references and data sources