After Tax Calculator
Where Your Money Goes
Full Breakdown: £27,000 Salary
| Deduction | Annual | Monthly | Weekly |
|---|---|---|---|
| Gross Salary | £27,000.00 | £2,250.00 | £519.23 |
| Income Tax | £2,886.00 | £240.50 | £55.50 |
| National Insurance | £1,154.40 | £96.20 | £22.20 |
| Take-Home Pay | £22,959.60 | £1,913.30 | £441.53 |
Understanding Your £27,000 Salary After Tax
If you earn £27,000 per year in the UK, your employer will deduct £2,886.00 in income tax and £1,154.40 in National Insurance contributions during the 2025/26 tax year. This leaves you with a net take-home pay of £22,959.60 annually. Use our after tax calculator to adjust for pension and student loan deductions.
Understanding Your Tax Code
On a £27,000 salary, your PAYE tax code is likely 1257L. The "1257" represents your £12,570 Personal Allowance divided by 10, and "L" means you qualify for the standard allowance. If your tax code on your payslip doesn't match what you expect, contact HMRC — an incorrect code could mean you're over or underpaying tax throughout the year. Common causes of incorrect codes include untaxed benefits, estimated earnings from a second job, or outdated Marriage Allowance claims.
How Your £27,000 Is Taxed Band-by-Band
After your £12,570 Personal Allowance, the remaining £14,430 falls within the Basic Rate band at 20%. This means you pay £2,886 in income tax — one of the most straightforward tax positions in the UK system. In total, your combined income tax of £2,886 and National Insurance of £1,154 produce an effective deduction rate of 14.96%.
Student Loan Repayments at £27,000
If you have a student loan, repayments are deducted at 9% of earnings above your plan's threshold. On Plan 2 (post-2012 graduates), at £27,000 you'd repay £0/year (£0/month) above the £27,295 threshold. On Plan 1 (pre-2012), repayments would be £449/year above the £22,015 threshold. Plan 2 loans are written off after 30 years — if your salary stays around £27,000, calculate whether you'd clear the balance before then or whether repayments are effectively an additional tax.
National Insurance on £27,000
Your NI bill of £1,154 breaks down into two parts: £1,154 at 8% on earnings between £12,570 and £50,270. Unlike income tax, NI has no personal allowance — it applies from the first pound above the threshold. NI contributions build your entitlement to the State Pension (currently £221.20/week at the full new State Pension rate), Maternity Allowance, and bereavement benefits. You need 35 qualifying years for the full State Pension.
Household Income Perspective
If both partners earn £27,000, the combined household take-home would be £45,919/year (£3,827/month). In a typical dual-income household where one partner earns 70% of the other, combined net income would be approximately £39,031/year. This household income significantly changes your financial profile — mortgage lenders assess joint applications using combined salaries (potentially £206,550 borrowing capacity), and many means-tested benefits have household income thresholds rather than individual ones.
For comparison: someone earning £50,000 per year takes home £39,520.
Monthly & Weekly Take-Home
Your £27,000 salary breaks down to £1,913.30 per month, £441.53 per week, or £88.31 per working day. If you work a standard 37.5-hour week, that's approximately £11.04 per hour after tax.
Frequently Asked Questions
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