UK & US Salary After Tax Guides
Take-home pay by salary — England, Wales & Northern Ireland rates for 2026/27, US federal rates for 2026.
Each guide below breaks one salary down by tax band, pay period, student loan and pension, and compares it with official UK earnings data. Figures assume a standard tax code with no other deductions; Scotland has different Income Tax bands. For any other amount, use the Salary Tax Calculator.
Last updated: 30 September 2026 · Sources: HMRC: Rates and thresholds for employers 2026 to 2027; HMRC: Salary sacrifice and the effects on PAYE; GOV.UK: Income Tax rates and Personal Allowances; GOV.UK: National Insurance – how much you pay; GOV.UK: Repaying your student loan – what you pay; GOV.UK: Income Tax in Scotland; GOV.UK: National Minimum Wage and National Living Wage rates; Low Pay Commission: Minimum wage rates for 2026; GOV.UK: Who gets the minimum wage; GOV.UK: Employers and the minimum wage; HM Treasury: thresholds maintained until 5 April 2031; GOV.UK: Marriage Allowance; GOV.UK: Individual Savings Accounts; GOV.UK: Workplace pensions – what you, your employer and the government pay; DWP: Review of the automatic enrolment earnings trigger and qualifying earnings band for 2026/27; GOV.UK: Pension tax relief; GOV.UK: Pension annual allowance; HMRC: Adjusted net income; HMRC: CWG2 further guide to PAYE and National Insurance 2026 to 2027; HMRC: Student loan and postgraduate loan repayment guidance for employers; HMRC: Pensions relief relating to net pay arrangements
For information only, not tax advice. Figures are estimates for a standard case; your own tax position may differ. Check with the official source or a qualified adviser before making decisions.
🇬🇧 UK salaries after tax (2026/27)
| Salary | Monthly take-home | Effective tax rate |
|---|---|---|
| £20,000 after tax | £1,493.30 | 10.4% |
| £22,000 after tax | £1,613.30 | 12.0% |
| £25,000 after tax | £1,793.30 | 13.9% |
| £28,000 after tax | £1,973.30 | 15.4% |
| £30,000 after tax | £2,093.30 | 16.3% |
| £32,000 after tax | £2,213.30 | 17.0% |
| £35,000 after tax | £2,393.30 | 17.9% |
| £38,000 after tax | £2,573.30 | 18.7% |
| £40,000 after tax | £2,693.30 | 19.2% |
| £42,000 after tax | £2,813.30 | 19.6% |
| £45,000 after tax | £2,993.30 | 20.2% |
| £48,000 after tax | £3,173.30 | 20.7% |
| £50,000 after tax | £3,293.30 | 21.0% |
| £55,000 after tax | £3,538.12 | 22.8% |
| £60,000 after tax | £3,779.78 | 24.4% |
| £65,000 after tax | £4,021.45 | 25.8% |
| £70,000 after tax | £4,263.12 | 26.9% |
| £75,000 after tax | £4,504.78 | 27.9% |
| £80,000 after tax | £4,746.45 | 28.8% |
| £90,000 after tax | £5,229.78 | 30.3% |
| £100,000 after tax | £5,713.12 | 31.4% |
🇺🇸 US salaries after tax (2026)
Federal take-home pay for 14 US salaries from $30,000–$250,000, single filer, before state tax.
View US salary after-tax guides →