£30,000 in England, Wales or NI, no pension
Income tax £3,486.00, National Insurance £1,394.40. Take-home £25,119.60 a year, £2,093.30 a month.
Money · Autumn Budget 2026
Autumn Budget 2026 calculator: your take-home pay before and after
The Autumn Budget 2026 will be held on Wednesday 28 October 2026 (GOV.UK). Until it is announced, this calculator uses the 2026/27 rates that apply from 6 April 2026 to 5 April 2027. On £30,000 in England, Wales or Northern Ireland that is £25,119.60 a year after income tax and National Insurance (£2,093.30 a month).
Budget day: Wednesday 28 October 2026Autumn Budget 2026, announced to Parliament by the Chancellor
Budget date
Budget day: Wednesday 28 October 2026
GOV.UK: “The Budget will be held on 28 October 2026.” Chancellor’s letter to the Treasury Select Committee. GOV.UK has not published the time of the statement yet (checked 22 October 2026).
2026/27 take-home pay calculator
Runs in your browser, with no run limit
Employees on tax code 1257L, employee National Insurance category A, no student loan and no other income. A salary-sacrifice pension comes off before income tax and NI.
Result
| Result | 2026/27 |
|---|---|
| Take-home pay a year | £25,119.60 |
| Take-home pay a month | £2,093.30 |
| Take-home pay a week | £483.07 |
| Income tax | £3,486.00 |
| National Insurance | £1,394.40 |
| Pension (salary sacrifice) | £0.00 |
| Personal allowance | £12,570.00 |
| Effective rate (tax and NI) | 16.3% |
| Marginal rate on the next £1 | 28% |
| Band | Taxed in band | Tax |
|---|---|---|
| Personal allowance 0% | £12,570.00 | £0.00 |
| Basic 20% | £17,430.00 | £3,486.00 |
Worked answers
Three worked answers from this calculator
Each button loads the inputs into the calculator above, so you can check the result yourself.
£30,000 in Scotland, no pension
Income tax £3,451.07, National Insurance £1,394.40. Take-home £25,154.53 a year, £2,096.21 a month: £34.93 more than the same salary in the rest of the UK.
£50,000 in England, Wales or NI, 5% salary sacrifice
Pension £2,500.00, income tax £6,986.00, National Insurance £2,794.40. Take-home £37,719.60 a year, £3,143.30 a month. In Scotland the same case gives £36,773.55 (£3,064.46 a month), with income tax of £7,932.05.
Before the Budget
2026/27 rates used (6 April 2026 to 5 April 2027)
Bands are shown for someone with the standard £12,570 personal allowance. The calculator applies them to income above the allowance, as HMRC’s PAYE tables do: 20% on the first £37,700, 40% up to £125,140 and 45% above that in England, Wales and Northern Ireland.
| Rate or allowance | Income it applies to | Source |
|---|---|---|
| Personal allowance (whole UK) | £12,570; reduced by £1 for every £2 of income over £100,000, reaching zero at £125,140 | GOV.UK |
| Basic rate 20% (England, Wales, NI) | £12,571 to £50,270 | GOV.UK |
| Higher rate 40% (England, Wales, NI) | £50,271 to £125,140 | GOV.UK |
| Additional rate 45% (England, Wales, NI) | Over £125,140 | GOV.UK |
| Starter rate 19% (Scotland) | £12,571 to £16,537 | Scottish Government |
| Basic rate 20% (Scotland) | £16,538 to £29,526 | Scottish Government |
| Intermediate rate 21% (Scotland) | £29,527 to £43,662 | Scottish Government |
| Higher rate 42% (Scotland) | £43,663 to £75,000 | Scottish Government |
| Advanced rate 45% (Scotland) | £75,001 to £125,140 | Scottish Government |
| Top rate 48% (Scotland) | Over £125,140 | Scottish Government |
| Employee NI, category A: 0% | Up to £12,570 a year (£242 a week) | GOV.UK |
| Employee NI, category A: 8% | £12,570 to £50,270 a year (£242.01 to £967 a week) | GOV.UK |
| Employee NI, category A: 2% | Over £50,270 a year (over £967 a week) | GOV.UK |
The Scottish Government’s page still labels the 2026/27 Scottish bands “proposed”. HMRC’s 2026/27 rates and thresholds for employers lists the same Scottish bands, and the Scottish Parliament agreed them in the Scottish Rate Resolution on 19 February 2026 (reported by the Chartered Institute of Taxation). See HMRC: rates and thresholds for employers 2026 to 2027 and CIOT: MSPs agree income tax rates for 2026/27.
On the day
What to check on Budget day
- The Budget documents: HM Treasury publishes them on GOV.UK. Read the measure itself, not a summary, before you act on it. HM Treasury on GOV.UK.
- When each change starts. Many income tax and National Insurance changes start on 6 April, the first day of a tax year, but a Budget can set other dates.
- Whether it applies where you live. Scottish income tax rates and bands are set by the Scottish Parliament, not the UK Budget; National Insurance and the personal allowance are UK-wide.
- This page. The “Announced on 28 October” section and a second calculator column are filled in from GOV.UK’s documents on the day, and the page’s updated date changes when they are.
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Helpful answers
Autumn Budget 2026 FAQs.
When is the Autumn Budget 2026?
Wednesday 28 October 2026. GOV.UK says: “The Budget will be held on 28 October 2026.”
What time is the Budget speech?
GOV.UK has not published a time yet (checked 22 October 2026). This page will add it if GOV.UK or Parliament states one.
How much is £30,000 after tax in 2026/27?
In England, Wales or Northern Ireland, £30,000 a year leaves £25,119.60 after £3,486.00 income tax and £1,394.40 National Insurance: £2,093.30 a month. This assumes tax code 1257L, no pension and no student loan.
Is take-home pay different in Scotland?
Yes. Scotland has six income tax bands in 2026/27: starter 19% (£12,571 to £16,537), basic 20% (to £29,526), intermediate 21% (to £43,662), higher 42% (to £75,000), advanced 45% (to £125,140) and top 48% above that. On £30,000 the take-home is £25,154.53 (income tax £3,451.07), £34.93 more than in the rest of the UK. National Insurance is the same everywhere.
Will this calculator change after the Budget?
Yes. On Budget day the “Announced on 28 October” section and a second “after” column are filled in from GOV.UK’s Budget documents. Until then it uses the 2026/27 rates.
Sources, opened 22 October 2026: GOV.UK, Budget 2026 date; GOV.UK, Income Tax rates and Personal Allowances; GOV.UK, National Insurance rates and category letters; HMRC, rates and thresholds for employers 2026 to 2027; Scottish Government, Scottish Income Tax 2026 to 2027; CIOT, MSPs agree income tax rates for 2026/27. Contains public sector information licensed under the Open Government Licence v3.0. This is an estimate, not tax advice.