{
  "metadata": {
    "name": "UK take-home pay dataset 2026/27",
    "description": "Modelled annual Income Tax, employee National Insurance and take-home pay for a single PAYE employee, by gross salary and UK region.",
    "tax_year": "2026-27",
    "regions": [
      "england",
      "scotland"
    ],
    "row_count": 222,
    "documentation": "https://salarytax.uk/data/take-home-pay",
    "methodology": "https://salarytax.uk/methodology",
    "csv": "https://salarytax.uk/data/take-home-pay.csv",
    "licence": "CC BY 4.0",
    "licence_url": "https://creativecommons.org/licenses/by/4.0/",
    "attribution": "SalaryTax, UK take-home pay dataset 2026/27, https://salarytax.uk/data/take-home-pay (CC BY 4.0)",
    "assumptions": [
      "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."
    ],
    "rate_sources": [
      "https://www.legislation.gov.uk/ukpga/2026/11/section/28",
      "https://www.legislation.gov.uk/ukpga/2026/11/section/29",
      "https://www.gov.uk/income-tax-rates",
      "https://www.legislation.gov.uk/uksi/2026/310/made",
      "https://www.gov.uk/guidance/rates-and-thresholds-for-employers-2026-to-2027",
      "https://www.gov.uk/government/publications/rates-and-allowances-national-insurance-contributions/rates-and-allowances-national-insurance-contributions",
      "https://www.gov.uk/government/publications/rates-and-allowances-income-tax/income-tax-rates-and-allowances-current-and-past",
      "https://www.gov.uk/repaying-your-student-loan/what-you-pay",
      "https://www.gov.uk/child-benefit-tax-charge",
      "https://www.gov.scot/publications/scottish-income-tax-rates-and-bands/pages/rates-and-bands-2026-to-2027/",
      "https://www.gov.uk/government/publications/benefit-and-pension-rates-2026-to-2027/proposed-benefit-and-pension-rates-2026-to-2027"
    ]
  },
  "columns": [
    {
      "name": "tax_year",
      "description": "UK tax year the figures apply to, e.g. 2026-27. Runs 6 April to 5 April."
    },
    {
      "name": "region",
      "description": "england or scotland. Wales and Northern Ireland use the same income tax rules as England, so their figures are identical to the england rows."
    },
    {
      "name": "region_label",
      "description": "Human-readable form of region."
    },
    {
      "name": "gross_annual",
      "description": "Annual gross salary in GBP, before any deduction."
    },
    {
      "name": "personal_allowance",
      "description": "Personal Allowance actually available at this salary, after the £1-for-£2 taper above £100,000."
    },
    {
      "name": "income_tax",
      "description": "Annual Income Tax. Scottish rows use the Scottish rates and bands for non-savings, non-dividend income."
    },
    {
      "name": "employee_ni",
      "description": "Annual employee Class 1 National Insurance."
    },
    {
      "name": "total_deductions",
      "description": "Income Tax plus employee National Insurance (no pension, student loan, or HICBC in this baseline)."
    },
    {
      "name": "take_home_annual",
      "description": "gross_annual minus total_deductions."
    },
    {
      "name": "take_home_monthly",
      "description": "take_home_annual divided by 12."
    },
    {
      "name": "take_home_weekly",
      "description": "take_home_annual divided by 52."
    },
    {
      "name": "effective_tax_rate",
      "description": "total_deductions divided by gross_annual, to 4 decimal places (0.2841 = 28.41%)."
    },
    {
      "name": "marginal_rate",
      "description": "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."
    },
    {
      "name": "employer_ni",
      "description": "Employer's Class 1 secondary NIC on this salary. Informational - it is a cost to the employer, not a deduction from the employee."
    }
  ],
  "rows": [
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 10000,
      "personal_allowance": 12570,
      "income_tax": 0,
      "employee_ni": 0,
      "total_deductions": 0,
      "take_home_annual": 10000,
      "take_home_monthly": 833.33,
      "take_home_weekly": 192.31,
      "effective_tax_rate": 0,
      "marginal_rate": 0,
      "employer_ni": 750
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 11000,
      "personal_allowance": 12570,
      "income_tax": 0,
      "employee_ni": 0,
      "total_deductions": 0,
      "take_home_annual": 11000,
      "take_home_monthly": 916.67,
      "take_home_weekly": 211.54,
      "effective_tax_rate": 0,
      "marginal_rate": 0,
      "employer_ni": 900
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 12000,
      "personal_allowance": 12570,
      "income_tax": 0,
      "employee_ni": 0,
      "total_deductions": 0,
      "take_home_annual": 12000,
      "take_home_monthly": 1000,
      "take_home_weekly": 230.77,
      "effective_tax_rate": 0,
      "marginal_rate": 0,
      "employer_ni": 1050
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 13000,
      "personal_allowance": 12570,
      "income_tax": 86,
      "employee_ni": 34.4,
      "total_deductions": 120.4,
      "take_home_annual": 12879.6,
      "take_home_monthly": 1073.3,
      "take_home_weekly": 247.68,
      "effective_tax_rate": 0.0093,
      "marginal_rate": 0.28,
      "employer_ni": 1200
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 14000,
      "personal_allowance": 12570,
      "income_tax": 286,
      "employee_ni": 114.4,
      "total_deductions": 400.4,
      "take_home_annual": 13599.6,
      "take_home_monthly": 1133.3,
      "take_home_weekly": 261.53,
      "effective_tax_rate": 0.0286,
      "marginal_rate": 0.28,
      "employer_ni": 1350
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 15000,
      "personal_allowance": 12570,
      "income_tax": 486,
      "employee_ni": 194.4,
      "total_deductions": 680.4,
      "take_home_annual": 14319.6,
      "take_home_monthly": 1193.3,
      "take_home_weekly": 275.38,
      "effective_tax_rate": 0.0454,
      "marginal_rate": 0.28,
      "employer_ni": 1500
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 16000,
      "personal_allowance": 12570,
      "income_tax": 686,
      "employee_ni": 274.4,
      "total_deductions": 960.4,
      "take_home_annual": 15039.6,
      "take_home_monthly": 1253.3,
      "take_home_weekly": 289.22,
      "effective_tax_rate": 0.06,
      "marginal_rate": 0.28,
      "employer_ni": 1650
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 17000,
      "personal_allowance": 12570,
      "income_tax": 886,
      "employee_ni": 354.4,
      "total_deductions": 1240.4,
      "take_home_annual": 15759.6,
      "take_home_monthly": 1313.3,
      "take_home_weekly": 303.07,
      "effective_tax_rate": 0.073,
      "marginal_rate": 0.28,
      "employer_ni": 1800
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 18000,
      "personal_allowance": 12570,
      "income_tax": 1086,
      "employee_ni": 434.4,
      "total_deductions": 1520.4,
      "take_home_annual": 16479.6,
      "take_home_monthly": 1373.3,
      "take_home_weekly": 316.92,
      "effective_tax_rate": 0.0845,
      "marginal_rate": 0.28,
      "employer_ni": 1950
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 19000,
      "personal_allowance": 12570,
      "income_tax": 1286,
      "employee_ni": 514.4,
      "total_deductions": 1800.4,
      "take_home_annual": 17199.6,
      "take_home_monthly": 1433.3,
      "take_home_weekly": 330.76,
      "effective_tax_rate": 0.0948,
      "marginal_rate": 0.28,
      "employer_ni": 2100
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 20000,
      "personal_allowance": 12570,
      "income_tax": 1486,
      "employee_ni": 594.4,
      "total_deductions": 2080.4,
      "take_home_annual": 17919.6,
      "take_home_monthly": 1493.3,
      "take_home_weekly": 344.61,
      "effective_tax_rate": 0.104,
      "marginal_rate": 0.28,
      "employer_ni": 2250
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 21000,
      "personal_allowance": 12570,
      "income_tax": 1686,
      "employee_ni": 674.4,
      "total_deductions": 2360.4,
      "take_home_annual": 18639.6,
      "take_home_monthly": 1553.3,
      "take_home_weekly": 358.45,
      "effective_tax_rate": 0.1124,
      "marginal_rate": 0.28,
      "employer_ni": 2400
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 22000,
      "personal_allowance": 12570,
      "income_tax": 1886,
      "employee_ni": 754.4,
      "total_deductions": 2640.4,
      "take_home_annual": 19359.6,
      "take_home_monthly": 1613.3,
      "take_home_weekly": 372.3,
      "effective_tax_rate": 0.12,
      "marginal_rate": 0.28,
      "employer_ni": 2550
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 23000,
      "personal_allowance": 12570,
      "income_tax": 2086,
      "employee_ni": 834.4,
      "total_deductions": 2920.4,
      "take_home_annual": 20079.6,
      "take_home_monthly": 1673.3,
      "take_home_weekly": 386.15,
      "effective_tax_rate": 0.127,
      "marginal_rate": 0.28,
      "employer_ni": 2700
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 24000,
      "personal_allowance": 12570,
      "income_tax": 2286,
      "employee_ni": 914.4,
      "total_deductions": 3200.4,
      "take_home_annual": 20799.6,
      "take_home_monthly": 1733.3,
      "take_home_weekly": 399.99,
      "effective_tax_rate": 0.1334,
      "marginal_rate": 0.28,
      "employer_ni": 2850
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 25000,
      "personal_allowance": 12570,
      "income_tax": 2486,
      "employee_ni": 994.4,
      "total_deductions": 3480.4,
      "take_home_annual": 21519.6,
      "take_home_monthly": 1793.3,
      "take_home_weekly": 413.84,
      "effective_tax_rate": 0.1392,
      "marginal_rate": 0.28,
      "employer_ni": 3000
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 26000,
      "personal_allowance": 12570,
      "income_tax": 2686,
      "employee_ni": 1074.4,
      "total_deductions": 3760.4,
      "take_home_annual": 22239.6,
      "take_home_monthly": 1853.3,
      "take_home_weekly": 427.68,
      "effective_tax_rate": 0.1446,
      "marginal_rate": 0.28,
      "employer_ni": 3150
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 27000,
      "personal_allowance": 12570,
      "income_tax": 2886,
      "employee_ni": 1154.4,
      "total_deductions": 4040.4,
      "take_home_annual": 22959.6,
      "take_home_monthly": 1913.3,
      "take_home_weekly": 441.53,
      "effective_tax_rate": 0.1496,
      "marginal_rate": 0.28,
      "employer_ni": 3300
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 28000,
      "personal_allowance": 12570,
      "income_tax": 3086,
      "employee_ni": 1234.4,
      "total_deductions": 4320.4,
      "take_home_annual": 23679.6,
      "take_home_monthly": 1973.3,
      "take_home_weekly": 455.38,
      "effective_tax_rate": 0.1543,
      "marginal_rate": 0.28,
      "employer_ni": 3450
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 29000,
      "personal_allowance": 12570,
      "income_tax": 3286,
      "employee_ni": 1314.4,
      "total_deductions": 4600.4,
      "take_home_annual": 24399.6,
      "take_home_monthly": 2033.3,
      "take_home_weekly": 469.22,
      "effective_tax_rate": 0.1586,
      "marginal_rate": 0.28,
      "employer_ni": 3600
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 30000,
      "personal_allowance": 12570,
      "income_tax": 3486,
      "employee_ni": 1394.4,
      "total_deductions": 4880.4,
      "take_home_annual": 25119.6,
      "take_home_monthly": 2093.3,
      "take_home_weekly": 483.07,
      "effective_tax_rate": 0.1627,
      "marginal_rate": 0.28,
      "employer_ni": 3750
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 31000,
      "personal_allowance": 12570,
      "income_tax": 3686,
      "employee_ni": 1474.4,
      "total_deductions": 5160.4,
      "take_home_annual": 25839.6,
      "take_home_monthly": 2153.3,
      "take_home_weekly": 496.92,
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      "marginal_rate": 0.28,
      "employer_ni": 3900
    },
    {
      "tax_year": "2026-27",
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      "region_label": "England",
      "gross_annual": 32000,
      "personal_allowance": 12570,
      "income_tax": 3886,
      "employee_ni": 1554.4,
      "total_deductions": 5440.4,
      "take_home_annual": 26559.6,
      "take_home_monthly": 2213.3,
      "take_home_weekly": 510.76,
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      "marginal_rate": 0.28,
      "employer_ni": 4050
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 33000,
      "personal_allowance": 12570,
      "income_tax": 4086,
      "employee_ni": 1634.4,
      "total_deductions": 5720.4,
      "take_home_annual": 27279.6,
      "take_home_monthly": 2273.3,
      "take_home_weekly": 524.61,
      "effective_tax_rate": 0.1733,
      "marginal_rate": 0.28,
      "employer_ni": 4200
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 34000,
      "personal_allowance": 12570,
      "income_tax": 4286,
      "employee_ni": 1714.4,
      "total_deductions": 6000.4,
      "take_home_annual": 27999.6,
      "take_home_monthly": 2333.3,
      "take_home_weekly": 538.45,
      "effective_tax_rate": 0.1765,
      "marginal_rate": 0.28,
      "employer_ni": 4350
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 35000,
      "personal_allowance": 12570,
      "income_tax": 4486,
      "employee_ni": 1794.4,
      "total_deductions": 6280.4,
      "take_home_annual": 28719.6,
      "take_home_monthly": 2393.3,
      "take_home_weekly": 552.3,
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      "marginal_rate": 0.28,
      "employer_ni": 4500
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 36000,
      "personal_allowance": 12570,
      "income_tax": 4686,
      "employee_ni": 1874.4,
      "total_deductions": 6560.4,
      "take_home_annual": 29439.6,
      "take_home_monthly": 2453.3,
      "take_home_weekly": 566.15,
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      "marginal_rate": 0.28,
      "employer_ni": 4650
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 37000,
      "personal_allowance": 12570,
      "income_tax": 4886,
      "employee_ni": 1954.4,
      "total_deductions": 6840.4,
      "take_home_annual": 30159.6,
      "take_home_monthly": 2513.3,
      "take_home_weekly": 579.99,
      "effective_tax_rate": 0.1849,
      "marginal_rate": 0.28,
      "employer_ni": 4800
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 38000,
      "personal_allowance": 12570,
      "income_tax": 5086,
      "employee_ni": 2034.4,
      "total_deductions": 7120.4,
      "take_home_annual": 30879.6,
      "take_home_monthly": 2573.3,
      "take_home_weekly": 593.84,
      "effective_tax_rate": 0.1874,
      "marginal_rate": 0.28,
      "employer_ni": 4950
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 39000,
      "personal_allowance": 12570,
      "income_tax": 5286,
      "employee_ni": 2114.4,
      "total_deductions": 7400.4,
      "take_home_annual": 31599.6,
      "take_home_monthly": 2633.3,
      "take_home_weekly": 607.68,
      "effective_tax_rate": 0.1898,
      "marginal_rate": 0.28,
      "employer_ni": 5100
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 40000,
      "personal_allowance": 12570,
      "income_tax": 5486,
      "employee_ni": 2194.4,
      "total_deductions": 7680.4,
      "take_home_annual": 32319.6,
      "take_home_monthly": 2693.3,
      "take_home_weekly": 621.53,
      "effective_tax_rate": 0.192,
      "marginal_rate": 0.28,
      "employer_ni": 5250
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 41000,
      "personal_allowance": 12570,
      "income_tax": 5686,
      "employee_ni": 2274.4,
      "total_deductions": 7960.4,
      "take_home_annual": 33039.6,
      "take_home_monthly": 2753.3,
      "take_home_weekly": 635.38,
      "effective_tax_rate": 0.1942,
      "marginal_rate": 0.28,
      "employer_ni": 5400
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 42000,
      "personal_allowance": 12570,
      "income_tax": 5886,
      "employee_ni": 2354.4,
      "total_deductions": 8240.4,
      "take_home_annual": 33759.6,
      "take_home_monthly": 2813.3,
      "take_home_weekly": 649.22,
      "effective_tax_rate": 0.1962,
      "marginal_rate": 0.28,
      "employer_ni": 5550
    },
    {
      "tax_year": "2026-27",
      "region": "england",
      "region_label": "England",
      "gross_annual": 43000,
      "personal_allowance": 12570,
      "income_tax": 6086,
      "employee_ni": 2434.4,
      "total_deductions": 8520.4,
      "take_home_annual": 34479.6,
      "take_home_monthly": 2873.3,
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