UK take-home pay dataset 2026/27

222 rows of modelled UK take-home pay for 2026/27: 111 gross salary points from £10,000 to £200,000 - £1,000 steps to £100,000, then £5,000 steps - for England and Scotland, with the Income Tax, employee National Insurance, effective rate and marginal rate at each point. Free to download and reuse under CC BY 4.0.

Download

• take-home-pay.csv - comma-separated, assumptions in leading # comment lines
• take-home-pay.json - { metadata, columns, rows }, assumptions and rate sources in metadata

Attribution

CC BY 4.0 asks for credit. This line is enough:

SalaryTax, UK take-home pay dataset 2026/27, https://salarytax.uk/data/take-home-pay (CC BY 4.0)

The rates underneath come from HMRC, gov.uk and gov.scot and stay under the Open Government Licence v3.0 - the CC BY 4.0 licence covers this dataset as compiled, not the public-sector figures it is built from.

What the figures are

Each row is produced by the same calculation engine behind the salary calculator on this site, whose output is tested against HMRC published worked examples. No figure in the dataset is typed by hand, and nothing is derived from a second model: if a rate changes in the 2026/27 ruleset, the dataset changes with it.

Assumptions

The baseline is deliberately narrow, because a dataset whose assumptions take a paragraph to state is not one anybody can safely reuse. Every row assumes:

• A single employee on PAYE for a full tax year, earning the stated annual gross salary. National Insurance is charged on the ANNUAL thresholds, not reassessed per pay period - real Class 1 is charged on each pay packet against that period's own thresholds, which on £35,000 makes the monthly-basis figure £1,793.92 against £1,794.40 here. Use the National Insurance calculator for the per-period basis.
• Standard Personal Allowance, tapered above £100,000 on the ruleset rule. No Marriage Allowance transfer, no Blind Person's Allowance.
• No pension contribution, no salary sacrifice, no student loan plan in repayment, no taxable benefits in kind, no bonus or overtime.
• Not over State Pension age (gov.uk: "you stop paying Class 1 National Insurance when you reach State Pension age").
• No Child Benefit claimed, so no High Income Child Benefit Charge.
• Salary only - no dividend, savings, rental or self-employed income, which would change the band the salary sits in.

Anything outside that - a pension contribution, a student loan plan, a company car, a second job - moves the figures, and the salary calculator models those directly.

Regions

Only England and Scotland appear. Wales and Northern Ireland are not missing: their rows would duplicate the England rows to the penny, so including them would double the file for no information. Northern Ireland has no devolved income tax power. Wales does have one - the Welsh Rates of Income Tax under the Wales Act 2014 - and has set it at 10p on each band every year since, which reproduces the UK rates exactly. Scotland sets its own non-savings, non-dividend rates and bands, so it genuinely differs. National Insurance is UK-wide in all four.

Salary points

£10,000 to £100,000 in £1,000 steps, then £105,000 to £200,000 in £5,000 steps. The finer resolution at the bottom is where the thresholds are, including the band between £100,000 and £125,140 where the tapering Personal Allowance pushes the marginal rate on salary above the headline higher rate.

Columns

Column	Meaning
tax_year	UK tax year the figures apply to, e.g. 2026-27. Runs 6 April to 5 April.
region	england or scotland. Wales and Northern Ireland use the same income tax rules as England, so their figures are identical to the england rows.
region_label	Human-readable form of region.
gross_annual	Annual gross salary in GBP, before any deduction.
personal_allowance	Personal Allowance actually available at this salary, after the £1-for-£2 taper above £100,000.
income_tax	Annual Income Tax. Scottish rows use the Scottish rates and bands for non-savings, non-dividend income.
employee_ni	Annual employee Class 1 National Insurance.
total_deductions	Income Tax plus employee National Insurance (no pension, student loan, or HICBC in this baseline).
take_home_annual	gross_annual minus total_deductions.
take_home_monthly	take_home_annual divided by 12.
take_home_weekly	take_home_annual divided by 52.
effective_tax_rate	total_deductions divided by gross_annual, to 4 decimal places (0.2841 = 28.41%).
marginal_rate	Income Tax plus employee NI taken from the next £100 of gross, expressed as a rate to 4 decimal places. Measured by re-running the model £100 higher rather than read off a band table, so it reflects the Personal Allowance taper - and it is region-specific: in the taper band between £100,000 and £125,140 the england rows read 0.62 against a 40% headline rate, while the scotland rows read 0.695 or 0.74 against Scottish headline rates of 45% and 48%. Do not apply a figure from one region's rows to the other.
employer_ni	Employer's Class 1 secondary NIC on this salary. Informational - it is a cost to the employer, not a deduction from the employee.

Excerpt

England rows at a few round salaries, so the shape is visible without downloading anything.

Updates

The dataset is rebuilt with the site, so it turns over when the tax year does. A 2026/27 row will always carry 2026/27 rates in the tax_year column - if you cache a copy, keep that column, because UK rates and thresholds change every 6 April and a figure with no year attached is unusable a year later.

How the underlying figures are sourced and tested is set out in the methodology, and every rate source is listed in the data sources audit with the date it was retrieved.