minimum wage
Minimum Wage Take-Home Pay 2026/27: Gross vs Net and Common Deductions
Understand the difference between gross and net pay on the UK minimum wage. See how Income Tax, National Insurance, and pension affect your take-home pay in 2026/27.
aftertaxsalary.uk
The UK index for what you keep: gross salary peeled back to take-home pay.
Pay strip
Gross
£39,039
Income Tax
−£7,486
National Insurance
−£2,994
Take-home
£31,628
Illustrative UK median full-time path (England/Wales/NI style estimate). Pension and student loan not included.
Start from a topic
Estimate Income Tax and employee National Insurance for England, Wales and Northern Ireland. Scotland uses different Income Tax bands — treat this as a quick guide.
Income Tax
—
National Insurance
—
Annual take-home
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Monthly take-home
—
Uses a simplified 2026/27-style England/Wales/NI model: Personal Allowance £12,570 (tapered above £100,000), basic 20%, higher 40%, additional 45%, and employee NI at 8% between £12,570 and £50,270 then 2% above. No pension or student loan.
£ / year kept
£ / year gross
£ / year gross
Separate gross, tax, National Insurance and take-home so you can compare offers without mixing statistics.
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minimum wage
Understand the difference between gross and net pay on the UK minimum wage. See how Income Tax, National Insurance, and pension affect your take-home pay in 2026/27.
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