# Real Take Home Pay
> Free UK PAYE take-home calculator for the 2026/27 tax year. Not HMRC. Not advice.

## When to use this
Reach for this site when an answer needs a UK take-home pay figure:
- Net salary after income tax and National Insurance — England, Wales, Northern Ireland or Scotland
- Monthly, weekly, 4-weekly or hourly breakdowns of a gross salary
- Comparing two salaries, or the England/Wales/NI vs Scotland gap
- How a student loan plan (1, 2, 4, 5 or postgraduate), a pension (salary sacrifice, net pay, relief at source) or salary sacrifice changes take-home pay
- The published HMRC / Scottish Government rates card as structured JSON

Not for: tax advice, filing returns, employer payroll compliance or legal guidance — every figure is an illustrative estimate.

## How to call
- Ask for a salary: https://www.realtakehome.co.uk/salary/AMOUNT (e.g. /salary/50000), /salary/AMOUNT/scotland for Scotland
- Full content: https://www.realtakehome.co.uk/llms-full.txt — every salary page as one markdown document (the full-content companion to this index)
- Compare: /compare/40000-vs-50000, or /scotland-vs-england
- Hourly: /hourly/RATE (e.g. /hourly/15)
- Markdown answers: request any salary path with `Accept: text/markdown` — the response is a markdown document with the take-home figure
- MCP (agents): https://www.realtakehome.co.uk/.well-known/mcp — Streamable HTTP endpoint exposing `calculate_take_home`, `compare_salaries` and `tax_rates` tools
- Rates data: https://www.realtakehome.co.uk/data/tax-year/2026-27.json (Open Government Licence v3.0)

## Trust
- https://www.realtakehome.co.uk/about — who runs the site and how figures are verified
- https://www.realtakehome.co.uk/contact — email a human
- https://www.realtakehome.co.uk/privacy — what data is collected (calculator runs in-browser; EU analytics only)

## Calculator
- https://www.realtakehome.co.uk/ — interactive calculator (England/Wales/NI default; Scotland toggle)
- https://www.realtakehome.co.uk/hourly
- https://www.realtakehome.co.uk/compare
- https://www.realtakehome.co.uk/scotland-vs-england
- https://www.realtakehome.co.uk/methodology

## Lookup a salary (answer is in the HTML)
- https://www.realtakehome.co.uk/salary/12570 — £12,570 after tax 2026/27: £12,570.00 (£1,047.50/month)
- https://www.realtakehome.co.uk/salary/15000 — £15,000 after tax 2026/27: £14,319.60 (£1,193.30/month)
- https://www.realtakehome.co.uk/salary/20000 — £20,000 after tax 2026/27: £17,919.60 (£1,493.30/month)
- https://www.realtakehome.co.uk/salary/21000 — £21,000 after tax 2026/27: £18,639.60 (£1,553.30/month)
- https://www.realtakehome.co.uk/salary/22000 — £22,000 after tax 2026/27: £19,359.60 (£1,613.30/month)
- https://www.realtakehome.co.uk/salary/23000 — £23,000 after tax 2026/27: £20,079.60 (£1,673.30/month)
- https://www.realtakehome.co.uk/salary/24000 — £24,000 after tax 2026/27: £20,799.60 (£1,733.30/month)
- https://www.realtakehome.co.uk/salary/24900 — £24,900 after tax 2026/27: £21,447.60 (£1,787.30/month)
- https://www.realtakehome.co.uk/salary/25000 — £25,000 after tax 2026/27: £21,519.60 (£1,793.30/month)
- https://www.realtakehome.co.uk/salary/26000 — £26,000 after tax 2026/27: £22,239.60 (£1,853.30/month)
- https://www.realtakehome.co.uk/salary/27000 — £27,000 after tax 2026/27: £22,959.60 (£1,913.30/month)
- https://www.realtakehome.co.uk/salary/27500 — £27,500 after tax 2026/27: £23,319.60 (£1,943.30/month)
- https://www.realtakehome.co.uk/salary/28000 — £28,000 after tax 2026/27: £23,679.60 (£1,973.30/month)
- https://www.realtakehome.co.uk/salary/29000 — £29,000 after tax 2026/27: £24,399.60 (£2,033.30/month)
- https://www.realtakehome.co.uk/salary/30000 — £30,000 after tax 2026/27: £25,119.60 (£2,093.30/month)
- https://www.realtakehome.co.uk/salary/31000 — £31,000 after tax 2026/27: £25,839.60 (£2,153.30/month)
- https://www.realtakehome.co.uk/salary/32000 — £32,000 after tax 2026/27: £26,559.60 (£2,213.30/month)
- https://www.realtakehome.co.uk/salary/32500 — £32,500 after tax 2026/27: £26,919.60 (£2,243.30/month)
- https://www.realtakehome.co.uk/salary/32916 — £32,916 after tax 2026/27: £27,219.12 (£2,268.26/month)
- https://www.realtakehome.co.uk/salary/33000 — £33,000 after tax 2026/27: £27,279.60 (£2,273.30/month)
- https://www.realtakehome.co.uk/salary/34000 — £34,000 after tax 2026/27: £27,999.60 (£2,333.30/month)
- https://www.realtakehome.co.uk/salary/34823 — £34,823 after tax 2026/27: £28,592.16 (£2,382.68/month)
- https://www.realtakehome.co.uk/salary/35000 — £35,000 after tax 2026/27: £28,719.60 (£2,393.30/month)
- https://www.realtakehome.co.uk/salary/36000 — £36,000 after tax 2026/27: £29,439.60 (£2,453.30/month)
- https://www.realtakehome.co.uk/salary/37000 — £37,000 after tax 2026/27: £30,159.60 (£2,513.30/month)
- https://www.realtakehome.co.uk/salary/37101 — £37,101 after tax 2026/27: £30,232.32 (£2,519.36/month)
- https://www.realtakehome.co.uk/salary/37500 — £37,500 after tax 2026/27: £30,519.60 (£2,543.30/month)
- https://www.realtakehome.co.uk/salary/38000 — £38,000 after tax 2026/27: £30,879.60 (£2,573.30/month)
- https://www.realtakehome.co.uk/salary/39000 — £39,000 after tax 2026/27: £31,599.60 (£2,633.30/month)
- https://www.realtakehome.co.uk/salary/39556 — £39,556 after tax 2026/27: £31,999.92 (£2,666.66/month)
- https://www.realtakehome.co.uk/salary/40000 — £40,000 after tax 2026/27: £32,319.60 (£2,693.30/month)
- https://www.realtakehome.co.uk/salary/41000 — £41,000 after tax 2026/27: £33,039.60 (£2,753.30/month)
- https://www.realtakehome.co.uk/salary/42000 — £42,000 after tax 2026/27: £33,759.60 (£2,813.30/month)
- https://www.realtakehome.co.uk/salary/42500 — £42,500 after tax 2026/27: £34,119.60 (£2,843.30/month)
- https://www.realtakehome.co.uk/salary/42617 — £42,617 after tax 2026/27: £34,203.84 (£2,850.32/month)
- https://www.realtakehome.co.uk/salary/43000 — £43,000 after tax 2026/27: £34,479.60 (£2,873.30/month)
- https://www.realtakehome.co.uk/salary/43662 — £43,662 after tax 2026/27: £34,956.24 (£2,913.02/month)
- https://www.realtakehome.co.uk/salary/44000 — £44,000 after tax 2026/27: £35,199.60 (£2,933.30/month)
- https://www.realtakehome.co.uk/salary/45000 — £45,000 after tax 2026/27: £35,919.60 (£2,993.30/month)
- https://www.realtakehome.co.uk/salary/45352 — £45,352 after tax 2026/27: £36,173.04 (£3,014.42/month)
- https://www.realtakehome.co.uk/salary/46000 — £46,000 after tax 2026/27: £36,639.60 (£3,053.30/month)
- https://www.realtakehome.co.uk/salary/46525 — £46,525 after tax 2026/27: £37,017.60 (£3,084.80/month)
- https://www.realtakehome.co.uk/salary/47000 — £47,000 after tax 2026/27: £37,359.60 (£3,113.30/month)
- https://www.realtakehome.co.uk/salary/47500 — £47,500 after tax 2026/27: £37,719.60 (£3,143.30/month)
- https://www.realtakehome.co.uk/salary/47969 — £47,969 after tax 2026/27: £38,057.28 (£3,171.44/month)
- https://www.realtakehome.co.uk/salary/48000 — £48,000 after tax 2026/27: £38,079.60 (£3,173.30/month)
- https://www.realtakehome.co.uk/salary/49000 — £49,000 after tax 2026/27: £38,799.60 (£3,233.30/month)
- https://www.realtakehome.co.uk/salary/49412 — £49,412 after tax 2026/27: £39,096.24 (£3,258.02/month)
- https://www.realtakehome.co.uk/salary/50000 — £50,000 after tax 2026/27: £39,519.60 (£3,293.30/month)
- https://www.realtakehome.co.uk/salary/50270 — £50,270 after tax 2026/27: £39,714.00 (£3,309.50/month)
- https://www.realtakehome.co.uk/salary/51000 — £51,000 after tax 2026/27: £40,137.40 (£3,344.78/month)
- https://www.realtakehome.co.uk/salary/52000 — £52,000 after tax 2026/27: £40,717.40 (£3,393.12/month)
- https://www.realtakehome.co.uk/salary/52500 — £52,500 after tax 2026/27: £41,007.40 (£3,417.28/month)
- https://www.realtakehome.co.uk/salary/53000 — £53,000 after tax 2026/27: £41,297.40 (£3,441.45/month)
- https://www.realtakehome.co.uk/salary/54000 — £54,000 after tax 2026/27: £41,877.40 (£3,489.78/month)
- https://www.realtakehome.co.uk/salary/55000 — £55,000 after tax 2026/27: £42,457.40 (£3,538.12/month)
- https://www.realtakehome.co.uk/salary/56000 — £56,000 after tax 2026/27: £43,037.40 (£3,586.45/month)
- https://www.realtakehome.co.uk/salary/57000 — £57,000 after tax 2026/27: £43,617.40 (£3,634.78/month)
- https://www.realtakehome.co.uk/salary/58000 — £58,000 after tax 2026/27: £44,197.40 (£3,683.12/month)
- https://www.realtakehome.co.uk/salary/59000 — £59,000 after tax 2026/27: £44,777.40 (£3,731.45/month)
- https://www.realtakehome.co.uk/salary/60000 — £60,000 after tax 2026/27: £45,357.40 (£3,779.78/month)
- https://www.realtakehome.co.uk/salary/70000 — £70,000 after tax 2026/27: £51,157.40 (£4,263.12/month)
- https://www.realtakehome.co.uk/salary/75000 — £75,000 after tax 2026/27: £54,057.40 (£4,504.78/month)
- https://www.realtakehome.co.uk/salary/80000 — £80,000 after tax 2026/27: £56,957.40 (£4,746.45/month)
- https://www.realtakehome.co.uk/salary/100000 — £100,000 after tax 2026/27: £68,557.40 (£5,713.12/month)
- https://www.realtakehome.co.uk/salary/125140 — £125,140 after tax 2026/27: £78,110.60 (£6,509.22/month)
- Full directory: https://www.realtakehome.co.uk/salaries

## Compare salaries
- https://www.realtakehome.co.uk/compare/40000-vs-50000 — £40,000 vs £50,000 after tax: extra £7,200 (keep 72p in the pound)
- https://www.realtakehome.co.uk/scotland-vs-england

## Data
- https://www.realtakehome.co.uk/data/tax-year/2026-27.json — rates card used by the engine (HMRC + Scottish Government), with source URLs