UK salary calculator 2027/28
Work out your take-home pay for the 2027/28 tax year, which starts on 6 April 2027. Budget 2026 kept income tax and National Insurance on pay the same, so a £35,000 salary leaves £28,720 a year (£2,393.30 a month) in England, as it does now.
Income tax bands 2027/28
| Band | Taxable income | Rate |
|---|---|---|
| Personal Allowance | up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | over £125,140 | 45% |
The Personal Allowance and the bands are frozen until 5 April 2031. Scottish rates for 2027/28 are set by the Scottish Parliament and have not been announced, so the calculator uses the 2026/27 Scottish bands for Scotland and shows a note. Welsh rates are assumed to stay level with England, as they always have.
National Insurance 2027/28
| Earnings | Employee (Class 1) | Self-employed (Class 4) | Employer |
|---|---|---|---|
| Up to £12,570 a year | 0% | 0% | 0% up to £5,000, then 15% |
| £12,571 to £50,270 | 8% | 6% | 15% |
| Over £50,270 | 2% | 2% | 15% |
Earnings above the lower earnings limit, £6,916 a year (£133 a week) from April 2027, still count towards your State Pension even below the point where you start paying.
Student loans 2027/28
| Plan | Who has it | Threshold 2026/27 | Threshold 2027/28 | Rate |
|---|---|---|---|---|
| Plan 1 | England/Wales before Sept 2012, Northern Ireland | £26,900 | £28,005 | 9% |
| Plan 2 | England/Wales, Sept 2012 to July 2023 | £29,385 | £29,385 | 9% |
| Plan 4 (Scotland) | Scotland | £33,795 | Not announced yet | 9% |
| Plan 5 | England, from August 2023 | £25,000 | Not announced yet | 9% |
| Postgraduate loan | Master's or doctoral loan | £21,000 | Not announced yet | 6% |
The Plan 1 threshold rises to £28,005 and Plan 2 is frozen at £29,385 for three years from April 2027. Where a 2027/28 threshold has not been announced, the calculator uses the 2026/27 figure and says so.
Take-home pay at common salaries, 2027/28
| Salary | Take-home a year | A month | A week | Kept |
|---|---|---|---|---|
| £20,000 | £17,920 | £1,493 | £345 | 89.6% |
| £25,000 | £21,520 | £1,793 | £414 | 86.1% |
| £30,000 | £25,120 | £2,093 | £483 | 83.7% |
| £35,000 | £28,720 | £2,393 | £552 | 82.1% |
| £40,000 | £32,320 | £2,693 | £622 | 80.8% |
| £45,000 | £35,920 | £2,993 | £691 | 79.8% |
| £50,000 | £39,520 | £3,293 | £760 | 79.0% |
| £60,000 | £45,357 | £3,780 | £872 | 75.6% |
| £70,000 | £51,157 | £4,263 | £984 | 73.1% |
| £80,000 | £56,957 | £4,746 | £1,095 | 71.2% |
| £100,000 | £68,557 | £5,713 | £1,318 | 68.6% |
Not known yet
- Scottish income tax rates and bands for 2027/28 (Scottish Budget).
- Welsh rates of income tax for 2027/28 (Senedd).
- Student loan thresholds for Plan 4, Plan 5 and postgraduate loans.
- Auto-enrolment pension thresholds for 2027/28. The calculator takes your pension as a percentage of your whole salary, so this does not change its figures.
Several Budget measures still need legislation (Finance Bill 2026-27 and regulations in early 2027). We will update these pages if anything changes. For what the Budget did change, see Autumn Budget 2026: what it means for your pay.
FAQ
When does the 2027/28 tax year start?
On 6 April 2027. It ends on 5 April 2028.
Is the Personal Allowance going up in 2027/28?
No. It stays at £12,570, and the higher rate threshold at £50,270. Both are frozen until 5 April 2031.
Is National Insurance changing in 2027/28?
No. Employees pay 8% between £12,570 and £50,270 and 2% above, as now.
Why does Scotland show the same figures as this year?
Because the Scottish rates for 2027/28 have not been set. The calculator uses the 2026/27 Scottish bands until the Scottish Budget is published, and says so next to the result.