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Take-Home Pay Calculator

Choose the UK, Canada, Australia or India, enter your gross salary and the details that apply — pension, student loan, province or tax regime — to see take-home pay per year, month and week with every deduction itemised. A £40,000 salary in England in 2026/27, with no pension or student loan, takes home £32,319.60. It is an estimate.

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Updated

Please note

An estimate for a single employee with no other income, not tax advice. Real payslips differ because tax is worked out per pay period and depends on your tax code, benefits, other income and claims. Not included: Ontario's and British Columbia's low-income tax reductions, Quebec, Australia's Medicare levy surcharge, higher-rate relief on UK relief-at-source pensions, and India's rounding of tax to the nearest ₹10.

How to use the Take-Home Pay Calculator

  1. 1Choose the country.
  2. 2Enter your gross salary, per year or per month.
  3. 3Add the details that apply: Scotland, pension and student loan in the UK; province in Canada; a HELP debt in Australia; tax regime and deductions in India.
  4. 4Read your take-home pay per year, month and week, and the breakdown of every deduction.

How it works

UK, tax year 6 April 2026 to 5 April 2027: the Personal Allowance is £12,570, reduced by £1 for every £2 of income over £100,000. In England, Wales and Northern Ireland income tax is 20% up to £50,270, 40% up to £125,140 and 45% above; Scotland has six bands from 19% to 48%. Employee National Insurance is 8% between £12,570 and £50,270 and 2% above. Student loans are repaid at 9% above the plan threshold (Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000) and postgraduate loans at 6% above £21,000. Salary sacrifice reduces tax, National Insurance and loan repayments; a net pay arrangement reduces tax only.

Canada, 2026: federal tax from 14% to 33%, plus provincial tax for Ontario, British Columbia or Alberta, each after the basic personal amount and credits for CPP and EI. Ontario's surtax and Health Premium are included. CPP is 5.95% of earnings between $3,500 and $74,600, CPP2 is 4% up to $85,000, and EI is 1.63% up to $68,900.

Australia, 2026–27 for residents: no tax up to $18,200, then 15%, 30% from $45,000, 37% from $135,000 and 45% from $190,000, less the low income tax offset, plus the 2% Medicare levy. HELP repayments use the marginal system: 15% of income above $69,528, rising in later tiers. Employer super at 12% is paid on top of salary and shown separately.

India, FY 2026–27: the new regime's slabs run from nil up to ₹4 lakh to 30% above ₹24 lakh, with a ₹75,000 standard deduction and no tax on taxable income up to ₹12 lakh thanks to the section 87A rebate, with marginal relief just above it. The old regime keeps the ₹2.5 lakh exemption, 5–30% slabs, a ₹50,000 standard deduction and deductions such as 80C. Surcharge, with marginal relief, and the 4% health and education cess apply to both.

Worked example

A £40,000 salary in England with no pension or student loan

  1. Income Tax: (£40,000 − £12,570) × 20% = £5,486.
  2. National Insurance: (£40,000 − £12,570) × 8% = £2,194.40.
  3. £40,000 − £5,486 − £2,194.40.

Result: £32,319.60 a year, or £2,693.30 a month.

Tips and common mistakes

  • Choose the right region: Scotland has its own income tax bands, and Canadian results depend on the province.
  • Include pension contributions and how they are made; salary sacrifice also reduces National Insurance in the UK.
  • Pick the correct student loan plan; the thresholds differ a lot.
  • Compare the result with a payslip and expect small differences from tax codes and benefits.

Frequently asked questions

How much is £30,000 after tax in the UK?
In England, Wales and Northern Ireland in 2026/27, £25,119.60 a year, or £2,093.30 a month, assuming no pension contributions or student loan.
Why is my payslip different?
Payroll works out tax and National Insurance each pay period using your tax code, so one-off payments, benefits in kind, emergency tax codes and pension schemes all change the figures. The calculator shows the full-year position.
Does salary sacrifice save more than a normal pension scheme?
Salary sacrifice reduces National Insurance as well as income tax, so for the same contribution it usually leaves more in your pocket than relief at source.
Which Indian tax regime is better for me?
The new regime is better unless your deductions — 80C, HRA, home loan interest and so on — are large. Switch the regime in the calculator to compare both on your own figures.
Which countries are covered?
The UK (with Scottish rates), Canada (Ontario, British Columbia and Alberta), Australia and India (both tax regimes).
Which tax year does it use?
The UK's 2026–27 tax year, Canada's 2026 rates, Australia's 2026–27 resident rates and India's FY 2026–27.
Is the result exactly what I will be paid?
It is an estimate for a typical employee. Tax codes, benefits in kind, other income and employer-specific deductions can all change the real figure.
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