UK take-home · FY 2026/27 Calc-engine routed
Penny-accurate annual, monthly, weekly, daily and hourly net pay for a gross
income of £40,000 under the locked HMRC
2026/27 ruleset — standard tax code 1257L. Every row derives from the same engine that powers the interactive
calculator, so the figures here match the live tool to the penny.
Engine note · `calculateTakeHome()` integer-pence band-walk with the active 2026/27 thresholds — no float drift, no hardcoded constants on this page.
Standard tax code 1257L, no salary sacrifice, no student loan. Pull the figures into context using the matching interactive calculator to layer pension contributions or marriage allowance on top.
| Pay interval | Gross | Income tax | Nat. insurance | Take-home |
|---|---|---|---|---|
| Annual breakdown | £40,000 | £5,486 | £2,194 | £32,320 |
| Monthly equivalent | £3,333.33 | £457.17 | £182.87 | £2,693.30 |
| Weekly equivalent | £769.23 | £105.50 | £42.20 | £621.53 |
| Daily baseline (260 days) | £153.85 | £21.10 | £8.44 | £124.31 |
| Hourly baseline (37.5 hrs/wk) | £20.51 | £2.81 | £1.13 | £16.57 |
A gross income of £40,000 sits entirely inside the UK Basic Rate parameters for 2026/27. The slice above your £12,570 Personal Allowance is taxed at the flat 20% statutory rate; the rest of your earnings (the allowance itself) is paid out untaxed.
On the National Insurance side, your income remains below the Upper Earnings Limit of £50,270, so every pound above the primary threshold is subject to the standard 8% Class 1 employee rate. Your combined marginal drag is locked at 28% (20% PAYE + 8% NI), which makes workplace salary sacrifice or personal pension contributions a high-leverage way to convert taxable income into pension wealth at immediate 20% relief.
Snapshot of the rUK income-tax and NI thresholds driving this page. Every cell in the breakdown above reads off these figures.
The interactive calculators model variables this static page deliberately omits — pension contributions, student loans, marriage allowance, the High Income Child Benefit Charge.
Browse adjacent gross figures or jump back to the full directory.