Take-Home Pay Calculator
Scotland sets its own income tax bands. National Insurance is the same UK-wide.
Take home a month
£2,277
Take home a year
£27,320
Income tax
£4,136
National Insurance
£1,794
Pension
£1,750
Tax + NI rate
16.9%
Your personal allowance is £12,570, and you keep £72 of the next £100 you earn — a marginal rate of 28%.
| Band | Rate | Income taxed | Tax |
|---|---|---|---|
| Basic rate | 20% | £20,680 | £4,136 |
2026/27 rates, verified 4 August 2026 against GOV.UK. Assumes a standard tax code, one job, and a workplace pension taken before income tax but after National Insurance. Student loans and salary sacrifice are not included.