Budget 2026: take-home pay at every salary, before and after
What Budget 2026 does to an employee’s take-home pay at 14 salaries from £15,000 to £150,000. Every figure is calculated by UKCalc.uk from HMRC rates. The method, assumptions and sources are on this page.
Status as of 7 October 2026
Budget 2026 is on 28 October 2026. No Budget measures are confirmed yet. The table shows 2026/27 take-home pay: the baseline every Budget change will be measured against. After the Budget, a change is added here only once it is verified against the official HM Treasury or HMRC document.
| Gross salary | Income tax | Employee NI | Take-home a year | Take-home a month |
|---|---|---|---|---|
| £15,000 | £486.00 | £194.40 | £14,319.60 | £1,193.30 |
| £20,000 | £1,486.00 | £594.40 | £17,919.60 | £1,493.30 |
| £25,000 | £2,486.00 | £994.40 | £21,519.60 | £1,793.30 |
| £30,000 | £3,486.00 | £1,394.40 | £25,119.60 | £2,093.30 |
| £35,000 | £4,486.00 | £1,794.40 | £28,719.60 | £2,393.30 |
| £40,000 | £5,486.00 | £2,194.40 | £32,319.60 | £2,693.30 |
| £45,000 | £6,486.00 | £2,594.40 | £35,919.60 | £2,993.30 |
| £50,000 | £7,486.00 | £2,994.40 | £39,519.60 | £3,293.30 |
| £60,000 | £11,432.00 | £3,210.60 | £45,357.40 | £3,779.78 |
| £70,000 | £15,432.00 | £3,410.60 | £51,157.40 | £4,263.12 |
| £80,000 | £19,432.00 | £3,610.60 | £56,957.40 | £4,746.45 |
| £100,000 | £27,432.00 | £4,010.60 | £68,557.40 | £5,713.12 |
| £125,000 | £42,432.00 | £4,510.60 | £78,057.40 | £6,504.78 |
| £150,000 | £53,703.00 | £5,010.60 | £91,286.40 | £7,607.20 |
Assumptions
- An employee paid through PAYE, with Class 1 employee National Insurance. Not self-employed.
- Income tax at England, Wales and Northern Ireland rates. Scotland sets its own income tax bands.
- All income is employment earnings for the whole tax year, with no other income.
- No pension contributions or salary sacrifice, student loan repayments, High Income Child Benefit Charge, benefits in kind or tax-code adjustments.
- Take-home pay = gross pay − income tax − employee National Insurance. Monthly figures are annual figures ÷ 12.
Method
Income tax is charged on pay above the Personal Allowance, which is withdrawn by £1 for every £2 of income above £100,000, at the basic, higher and additional rates. Employee Class 1 National Insurance is charged between the primary threshold and the upper earnings limit at the main rate, and above it at the upper rate. Each rate and threshold is the value in UKCalc.uk’s verified statutory registry (version 2.6.0) for the date shown. For any other salary, use UKCalc.uk’s take-home pay calculator.
Official sources
- gov.uk/income-tax-rates: HM Revenue & Customs (GOV.UK), last verified 2 September 2026
- gov.uk/guidance/rates-and-thresholds-for-employers-2026-to-2027: HM Revenue & Customs (GOV.UK), last verified 6 October 2026
- gov.uk/national-insurance-rates-letters: HM Revenue & Customs (GOV.UK), last verified 2 September 2026
How to cite this
You are welcome to republish these figures, with attribution. Suggested wording:
Source: UKCalc.uk analysis of HMRC rates (https://www.ukcalc.uk/data/budget-2026/), CC BY 4.0
In running text, “according to analysis by UKCalc.uk”, linked to this page, is enough. For a specific salary, quote the row and the date in the status box. The statutory rates themselves are set and published by HMRC and GOV.UK: cite those to the official source.
Licence
UKCalc.uk’s datasets, calculations and analysis under /data/ are licensed under Creative Commons Attribution 4.0 International (CC BY 4.0). You may copy, adapt and republish them, including commercially, as long as you credit UKCalc.uk and link to the source page.
The underlying statutory figures are Crown copyright, published by HMRC and other public bodies under the Open Government Licence v3.0. UKCalc.uk compiles and verifies them; it does not set them.
Part of UKCalc.uk Data. See also Budget 2026: what it means for your money. Page last updated 7 October 2026.