Take-home pay in England & Wales

Every £5,000 step

Every salary

• £15,000£14,319.60
• £16,000£15,039.60
• £17,000£15,759.60
• £18,000£16,479.60
• £19,000£17,199.60
• £20,000£17,919.60
• £21,000£18,639.60
• £22,000£19,359.60
• £23,000£20,079.60
• £24,000£20,799.60
• £25,000£21,519.60
• £26,000£22,239.60
• £27,000£22,959.60
• £28,000£23,679.60
• £29,000£24,399.60
• £30,000£25,119.60
• £31,000£25,839.60
• £32,000£26,559.60
• £33,000£27,279.60
• £34,000£27,999.60
• £35,000£28,719.60
• £36,000£29,439.60
• £37,000£30,159.60
• £38,000£30,879.60
• £39,000£31,599.60
• £40,000£32,319.60
• £41,000£33,039.60
• £42,000£33,759.60
• £43,000£34,479.60
• £44,000£35,199.60
• £45,000£35,919.60
• £46,000£36,639.60
• £47,000£37,359.60
• £48,000£38,079.60
• £49,000£38,799.60
• £50,000£39,519.60
• £51,000£40,137.40
• £52,000£40,717.40
• £53,000£41,297.40
• £54,000£41,877.40
• £55,000£42,457.40
• £56,000£43,037.40
• £57,000£43,617.40
• £58,000£44,197.40
• £59,000£44,777.40
• £60,000£45,357.40
• £62,500£46,807.40
• £65,000£48,257.40
• £67,500£49,707.40
• £70,000£51,157.40
• £72,500£52,607.40
• £75,000£54,057.40
• £77,500£55,507.40
• £80,000£56,957.40
• £82,500£58,407.40
• £85,000£59,857.40
• £87,500£61,307.40
• £90,000£62,757.40
• £92,500£64,207.40
• £95,000£65,657.40
• £100,000£68,557.40
• £105,000£70,457.40
• £110,000£72,357.40
• £115,000£74,257.40
• £120,000£76,157.40
• £125,000£78,057.40
• £130,000£80,686.40
• £135,000£83,336.40
• £140,000£85,986.40
• £145,000£88,636.40
• £150,000£91,286.40
• £160,000£96,586.40
• £170,000£101,886.40
• £180,000£107,186.40
• £190,000£112,486.40
• £200,000£117,786.40

The shape of the whole ladder

There are 76 salaries on this page, from £15,000 to £200,000, and they do not sit in one tax band. Between the lowest and the highest, the rate on the next £100 of pay takes 4 different values in England, Wales & Northern Ireland — which is the reason this is a list of pages rather than one page with a box on it. A single answer would be right at one end of the ladder and wrong at the other.

The steepest point on this list is 62%, and 6 of the 76 salaries here sit at it. That is not the top of the tax table; it is where the bands and the withdrawals overlap, and it is the number this site exists to make visible.

The thresholds that create those groups are fixed amounts, and knowing them is most of what makes a payslip predictable:

• £12,570 — personal allowance.
• £50,270 — National Insurance upper earnings limit.
• £50,271 — higher rate.
• £100,000 — personal allowance taper.
• £125,140 — end of the taper.
• £125,141 — additional rate.

Every page below shows the same things for one figure: the take-home, the band-by-band arithmetic, the rate on the next £100, what the job costs an employer, and what a pension contribution or a student loan does to all of it. They are generated from the published 2026/27 parameters rather than typed, which is why the thresholds the engine discovers reproduce the statutory ones exactly — that check is what the method page is about.

Which page do you want

If you know your salary, go straight to its page — every figure below links to one, and pages exist for figures between the steps shown here. If you are comparing two offers, open both and read the marginal rate as well as the take-home, because the gap between two salaries is taxed at the higher one's marginal rate rather than at either effective rate. If you are paid by the hour, the hourly tables ask the same question the other way round.

One rung, worked all the way through

The table below gives the headline for every step. This is what one of those rows looks like when it is opened up — the thresholds around it, and what a pension contribution from there would actually buy. Every page in the list has the same treatment for its own figure.

£45,000 sits between two things that matter. £11,205 below you is the Plan 4 (Scotland) repayment threshold, and £5,270 above you is the National Insurance upper earnings limit — so this salary is already past one change and approaching another.

• £50,270 — Above it your own National Insurance falls from 8% to 2%. That is £5,270 away, and it is the reason the higher rate stings less at the margin than the headline jump suggests.
• £50,271 — Crossing it does not re-tax what you already earn — only the pounds above it move to the higher rate, which is the single most misunderstood thing about UK income tax.
• £33,795 — Plan 4 (Scotland) takes 9% of the £11,205 above its threshold. It is not a tax, but it leaves the same pay on the same day.

There is no threshold within reach below £45,000, so a pension contribution here is not about ducking under anything — it is simply the ordinary trade. Sacrificing £2,500 costs you £1,800 in take-home, because 28% of it was never going to reach you anyway, and puts the full £2,500 into the pot. That is £2,500 of saving for £1,800 of spending power — a ratio of 1.39 to one, and it is the same ratio for every pound until the next band.

Every one of the five repayment thresholds is behind this salary, so whichever plan you are on, you are repaying. Which plan you are on is not a choice, and the difference between them at this salary is £431.55 a year, so it is worth knowing which one your payslip is deducting.