How much tax do I pay on £30,000 in 2026/27?

In England, Wales or Northern Ireland, with tax code 1257L and no pension or student loan: £3,486.00 income tax and £1,394.40 National Insurance, which leaves £25,119.60 a year, about £2,093.30 a month or £483.07 a week.

What is the personal allowance for 2026/27?

£12,570. It falls by £1 for every £2 of income over £100,000, so it is gone completely at £125,140.

How much National Insurance does an employee pay in 2026/27?

8% on pay between £12,570 and £50,270 a year (£242 to £967 a week), and 2% on everything above that.

Is weekly pay taxed differently from monthly pay?

No. The rates are the same. Payroll splits the yearly allowances into weekly or monthly pieces, so over a full year the totals match. A single week can look different if your hours or overtime change.

Free tool · tax year 6 April 2026 to 5 April 2027

Take home pay calculator

Type your pay the way it is on the advert or your contract: by the hour, the day, the week, the month or the year. See what actually lands in your bank, week by week and month by month.

Free, no account. Nothing you type is saved: the sums are done from the numbers in the address bar, so a result is also a link you can send to somebody.

Your pay before tax (£)

Hours a week Used for an hourly rate

Days a week Used for a day rate

Where you live Scotland has its own income tax rates. It is where you live that counts, not where the employer is.

Pension and student loan (optional)

Your pension (%)

How it is taken Not sure? Your payslip or the pension scheme's welcome letter says. Most workplace schemes use one of the first two.

Student loan

I also have a Postgraduate Loan

The 2026/27 numbers we use

Taken from GOV.UK for 6 April 2026 to 5 April 2027.

England, Wales, Northern Ireland
Personal allowance £12,570
Basic rate 20% on the next £37,700
Higher rate 40% up to £125,140
Additional rate 45% above that

Scotland
Starter 19%, basic 20%, intermediate 21%, higher 42%, advanced 45%, top 48%

National Insurance
8% from £242 to £967 a week, 2% above

Student loans
Plan 1 from £26,900, Plan 2 from £29,385, Plan 4 from £33,795, Plan 5 from £25,000 (all 9%). Postgraduate from £21,000 (6%).

Income tax rates on GOV.UK
National Insurance and student loans on GOV.UK

Looking for work that pays weekly?

Every advert here shows the pay, and many say how often it is paid.

Jobs paid weekly

How take home pay is worked out

Three things come off almost every UK wage: income tax, National Insurance and, if you are in one, a workplace pension. A student loan comes off too once you earn over your plan's threshold.

The first £12,570 of the year is tax free (the personal allowance, tax code 1257L). Income tax is charged on what is left, in slices: 20%, then 40%, then 45% in England, Wales and Northern Ireland. National Insurance is separate: 8% of what you earn between £12,570 and £50,270 a year, then 2%.

Paid weekly or monthly: is it taxed differently?

No. The rates are the same. Payroll cuts the yearly allowances into weekly or monthly pieces (about £242 a week before tax or National Insurance starts), so over a full year the totals come out the same. What changes is one week at a time: a week with a lot of overtime can push that week's pay into a higher slice, and the tax evens out over the following weeks.

An example: £14 an hour, 45 hours a week

That is £32,760 a year before tax. In England, with no pension or student loan, about £4,038 goes in income tax and about £1,615 in National Insurance, so you take home roughly £27,107 a year, £521 a week or £2,259 a month. See it worked out.

Pensions: why the method matters

Net pay arrangement: the pension comes out before tax, so you get the tax relief straight away. Relief at source: it comes out after tax, you pay 80p in every pound and the pension provider claims the other 20p from HMRC. Higher rate taxpayers claim the rest through Self Assessment. Salary sacrifice: your pay is reduced before tax and National Insurance, so you save both.

What this calculator does not do

It assumes tax code 1257L and a normal employee. It does not handle a different tax code, the marriage allowance, company car or other benefits, the blind person's allowance, two jobs at once, or self employment. If your tax code is not 1257L, the figure on your payslip is the one to trust. Your tax code is on your payslip and in your HMRC personal tax account.

This is an estimate to help you compare jobs, not tax or financial advice. HMRC's own checker is at gov.uk/estimate-income-tax. For payslips, P60 and P45, see your pay paperwork.