# aftertaxsalary.co.uk
> Free UK take-home pay calculator: income tax, National Insurance, pension, student loan by region and tax code for the 2026/27 tax year.

## Key facts (2026/27)
- Personal allowance: £12,570 (tax-free).
- Income tax (rest of UK): 20% basic to £50,270, 40% higher to £125,140, 45% additional above £125,140.
- Personal allowance taper: reduced £1 for every £2 of income over £100,000, fully gone at £125,140.
- Employee National Insurance (Class 1): 8% between £12,570 and £50,270, then 2% above £50,270.
- Higher-rate threshold: £50,270 of income (£12,570 allowance + £37,700 basic-rate band).
- Scotland has separate income tax bands and rates; National Insurance is UK-wide.

## Primary pages
- https://aftertaxsalary.co.uk/ — take-home pay calculator
- https://aftertaxsalary.co.uk/calculator — full breakdown calculator
- https://aftertaxsalary.co.uk/salary/30000-after-tax — £30,000 after tax
- https://aftertaxsalary.co.uk/salary/50000-after-tax — £50,000 after tax
- https://aftertaxsalary.co.uk/salary/100000-after-tax — £100,000 after tax
- https://aftertaxsalary.co.uk/tax-glossary — UK tax terms explained

## Explainers
- https://aftertaxsalary.co.uk/how-to-read-a-pay-stub — every line on a UK pay stub (payslip) explained
- https://aftertaxsalary.co.uk/40-percent-tax-threshold — the 40% higher-rate threshold (£50,270)
- https://aftertaxsalary.co.uk/personal-allowance-2026-27 — the £12,570 personal allowance and the £100k taper
- https://aftertaxsalary.co.uk/tax-code-1257l — what tax code 1257L means and when it is wrong
- https://aftertaxsalary.co.uk/ev-salary-sacrifice-examples — electric-car salary sacrifice worked examples
- https://aftertaxsalary.co.uk/national-living-wage-2026 — National Living Wage £12.71 and take-home pay