Monthly Salary Calculator UK 2026-27
Enter a monthly figure and choose gross or net. The calculator converts it into weekly, four-weekly and annual pay, before and after 2026-27 income tax and National Insurance, with student loan repayments and pension contributions. In net mode it solves for the gross monthly salary you would need to clear the amount you typed.
Type your monthly salary — gross or net — and see what it is by the week and year, before and after tax and NI.
| Pay period | Gross | Take-home |
|---|
Rest-of-UK bands, no student loan or pension unless stated. 2026-27 rates, checked August 2026.
From a monthly salary to every pay period
Gross
Monthly salary × 12 is the annual figure PAYE works from. £2,500 a month is £30,000 a year, £577 a week and £2,308 every four weeks (a month is 4.33 weeks — 52 ÷ 12 — so four-weekly pay is a little less than a month).
Net
The calculator applies the 2026-27 personal allowance and bands, employee NI at 8% then 2%, and any student loan and pension deductions. On £30,000 that is £4,880 a year, so £2,500 gross lands as £2,093.
Net mode
Press Net and type the monthly amount you want in hand. The calculator solves the bands backwards for the gross that produces it — £2,000 net needs about £2,370 gross, £28,445 a year; £2,500 net needs £3,065.
Gross monthly salary and what lands in your account
| Per month (gross) | Per year | Take-home per month | Take-home per week | Keep |
|---|---|---|---|---|
| £2,000 | £24,000 | £1,733 | £400 | 86.7% |
| £2,500 | £30,000 | £2,093 | £483 | 83.7% |
| £3,000 | £36,000 | £2,453 | £566 | 81.8% |
| £4,000 | £48,000 | £3,173 | £732 | 79.3% |
| £5,000 | £60,000 | £3,780 | £872 | 75.6% |
Rest-of-UK bands, no loan or pension. The £5,000 row crosses the £50,270 higher-rate threshold, so its last £9,730 is taxed at 40% — but NI drops to 2% at the same point, so the marginal wedge only rises from 28% to 42%.
The lines on a monthly payslip
| Threshold | Per year | Per month | Above it |
|---|---|---|---|
| Personal allowance | £12,570 | £1,047.50 | 20% income tax |
| NI primary threshold | £12,570 | £1,048 | 8% employee NI |
| Higher-rate threshold | £50,270 | £4,189.17 | 40% tax, 2% NI |
| Additional-rate threshold | £125,140 | £10,428.33 | 45% tax |
Between £1,048 and £4,189 a month every extra pound loses 20p income tax and 8p NI. Monthly PAYE is cumulative: each month you get one-twelfth of the allowance and bands, and any over-payment from a lean month comes back automatically in the next. Scottish taxpayers use six bands (19% starter to 48% top) — switch at the Detailed level; on £2,500 a month the Scottish result is £2,096 against £2,093.
The two deductions that depend on you
Student loan. Repayments are a flat percentage of income above your plan’s threshold, taken through PAYE: Plan 1 9% over £26,900, Plan 2 9% over £29,385, Plan 4 (Scotland) 9% over £33,795, Plan 5 9% over £25,000, Postgraduate 6% over £21,000. On £2,500 a month (£30,000) Plan 2 costs £55 a year; Plan 5 would cost £450.
Pension. Auto-enrolment takes a minimum 5% employee contribution (8% with the employer’s 3%). The calculator models a percentage of gross deducted before tax: 5% on £2,500 a month is £1,500 a year into your pot, £300 less income tax, and take-home of £1,993 instead of £2,093. Every £1 saved costs 80p of take-home at the basic rate.
Frequently asked Frequently asked questions
How much is £2,500 a month per year?
£30,000 before tax. At 2026-27 rest-of-UK rates take-home is about £25,120 a year — £2,093 a month.
How do I convert a monthly salary to weekly pay?
Multiply by 12 and divide by 52 — a month is 4.33 weeks. £2,500 a month is £577 a week gross and about £483 a week after tax and NI.
What gross salary do I need to take home £2,000 a month?
About £2,370 a month gross, or £28,445 a year, at 2026-27 rates. Switch the calculator to Net and enter £2,000 to see the breakdown.
How much tax and NI comes out of £2,500 a month?
£3,486 income tax and £1,394 National Insurance over the year — about £407 a month — leaving £2,093.
Does the calculator include student loan repayments?
Yes — choose your plan at the Standard level. On £2,500 a month, Plan 2 takes £55 a year (9% of income over £29,385); Plan 5 would take £450 (9% over £25,000).
What are the monthly tax thresholds for 2026-27?
The personal allowance is £1,047.50 a month (£12,570 a year); employee NI starts at £1,048 a month; the 40% band starts at £4,189.17 a month (£50,270 a year).
Does the calculator work for Scotland?
Yes — switch the Scottish taxpayer option at the Detailed level to use Scotland’s six 2026-27 bands. On £2,500 a month the Scottish take-home is £2,096 against £2,093 for the rest of the UK.
Is the Monthly Salary Calculator free and up to date?
Yes — free, no account is required, and calculator arithmetic runs in your browser. It uses 2026-27 HMRC income tax and NI thresholds and April 2026 student loan thresholds, checked August 2026.
Where these figures come from
Every rate and threshold on this page comes from the GOV.UK and HMRC — the sources of record.
- Income Tax rates and personal allowance — GOV.UK — Income Tax rates.
- National Insurance rates and thresholds — GOV.UK — Rates and allowances: National Insurance contributions.
- Scottish Income Tax — gov.scot — Scottish Income Tax.
- Student loan repayment thresholds — GOV.UK — Repaying your student loan.
- Minimum wage rates from April 2026 — GOV.UK — National Minimum Wage and National Living Wage rates.
Last checked: August 2026. Tax and NI use 2026-27 thresholds; student loan thresholds are the April 2026 values.
Select the question that matches where you are right now.
Your result is one monthly figure expanded into the whole pay picture — gross and take-home by the week, four weeks, month and year at 2026-27 rates.
Budget from the monthly take-home, compare offers on the annual gross, and use Net mode to turn the monthly amount you need into the salary to ask for.
Not a payslip. Tax codes, benefits in kind and cumulative PAYE adjustments move individual months; this is the steady-state annual picture.
Monthly pay is annual ÷ 12; four-weekly pay is annual ÷ 13. If you are paid every four weeks, use that row — it is about 8% less than the monthly figure.
What moves the answer most on a monthly salary.
Between £1,048 and £4,189 a month every extra pound loses 20p tax and 8p NI. Above £4,189 it is 40p and 2p.
Plan 5 starts £4,385 lower than Plan 2 — on £2,500 a month that is £450 a year against £55.
A 5% contribution costs £100 a month of take-home but puts £125 a month into your pot — the tax relief covers the gap.
Small structural changes move monthly take-home more than a small rise.
1257L is the standard 2026-27 code. A BR or emergency code on a second job or a new start can over-withhold for months.
Sacrificing salary for pension saves NI as well as income tax — 28p per £1 at the basic rate instead of 20p.
Decide the monthly take-home you need, use Net mode to find the gross, and negotiate from there.
Your monthly salary connects to the rest of your pay picture.