Independent UK calculators, verified rates and original analysis — sourced, dated and openly explained.
The 62% band from £100,000 is the Personal Allowance taper: each extra £1 is taxed at 40% and also costs 50p of allowance, itself taxed. A UKCalc calculation, not an official HMRC band. See the full analysis
The reference every calculator on this site is built from — each figure carrying its official source and the date it was last checked.
Fifty-three calculators built on current statutory rates — take-home pay, income tax, mortgages, pensions and property costs.
28 in-depth guides to UK tax, salary, mortgages, debt, pensions, self-employment and career finance — with worked examples and 2026/27 figures.
Common gross salaries and exact monthly take-home pay. England, Wales & Northern Ireland rates.
After income tax and National Insurance — no pension or student loan deductions
| Gross Salary | Monthly Take-Home | Annual Take-Home | Effective Rate | Tax Band |
|---|---|---|---|---|
| £20,000 | £1,493 | £17,920 | 10.4% | Basic rate |
| £25,000 | £1,793 | £21,520 | 13.9% | Basic rate |
| £30,000 | £2,093 | £25,120 | 16.3% | Basic rate |
| £35,000 | £2,393 | £28,720 | 17.9% | Basic rate |
| £40,000 | £2,693 | £32,320 | 19.2% | Basic rate |
| £45,000 | £2,993 | £35,920 | 20.2% | Basic rate |
| £50,000 | £3,293 | £39,520 | 21.0% | Basic rate |
| £55,000 | £3,538 | £42,457 | 22.8% | Higher rate |
| £60,000 | £3,780 | £45,357 | 24.4% | Higher rate |
| £70,000 | £4,263 | £51,157 | 27.0% | Higher rate |
| £80,000 | £4,746 | £56,957 | 28.8% | Higher rate |
| £85,000 | £4,988 | £59,857 | 29.6% | Higher rate |
| £100,000 | £5,713 | £68,557 | 31.4% | Higher rate |
The same tools and guides, organised four ways — pick whichever matches how you are thinking about it.
Calculators and tools organised by topic.
Every major topic has its own hub — calculators, tools and guides together in one place.
Most people move through these four stages — start where you are and use the right tools at each step.
The questions UK workers are searching for right now — answered with our calculators.
UKCalc publishes free UK calculators, verified reference data and original analysis. Every tool is built on current official rates and thresholds, and every statutory figure carries the source it came from and the date it was last checked.
All calculations use current applicable official rates and thresholds for the 2026/27 tax year (6 April 2026 – 5 April 2027), sourced from HMRC, GOV.UK and other relevant official bodies. The calculations themselves are covered by an automated test suite. Figures are estimates for guidance only and do not constitute financial advice. For complex situations — particularly around pensions, Scottish tax rates or tax-code adjustments — we recommend speaking to a qualified accountant or using HMRC's official tools.
No advertiser influences our calculations or conclusions. Where a commercial relationship exists it is disclosed on the page it affects. Read our editorial policy, our methodology, or more about UKCalc. Journalists and editorial partners can find our data and working at Media & Partnerships.
Plain-English explainers on tax, salary, mortgages, pensions, debt and savings — all updated for 2026/27 with worked examples and no sign-up required.
Browse All Guides →