Rank
#1
← Take-home by UK nation
ENG · rank #1 · 2026/27
🏴England take-home pay
About £68,557 on £100k single PAYE (2026/27) — income tax £27,432 + NI £4,011.
🏴
England take-home on £100k
At £100,000 single PAYE (2026/27), England take-home is about £68,557 (31.4% effective) — income tax ≈ £27,432, Class 1 NI ≈ £4,011. England uses HMRC income-tax bands shared with Wales and Northern Ireland (20% / 40% / 45% above the personal allowance). There is no separate England income-tax schedule.
Key takeaways
- England modeled take-home ≈ £68,557 on £100k (2026/27).
- Income tax ≈ £27,432; Class 1 NI ≈ £4,011.
- England shares HMRC rUK bands with the other non-Scotland nations — identical PAYE take-home on this vignette.
- Gap vs Scotland ≈ £3,300/year at £100k on this vignette.
- Student loans and pensions are excluded from rankings.
England PAYE take-home explained
England uses HMRC income-tax bands shared with Wales and Northern Ireland (20% / 40% / 45% above the personal allowance). There is no separate England income-tax schedule. On the hub vignette (£100,000 single PAYE · no student loan / pension · 2026/27), take-home is £68,557 after income tax and Class 1 NI.
Moving between England, Wales, and Northern Ireland does not change this income-tax + NI model. Local costs (rent, council tax) still differ.
How we calculate this page
We use the same PAYE engine as the England calculator: official 2026/27 bands, Personal Allowance £12,570, and Category A Class 1 NI.
At exactly £100,000, Personal Allowance is still £12,570 (taper applies above £100,000).
Basic £37,700 @ 20% = £7,540; higher remainder @ 40% → income tax £27,432.
NI: 8% on £37,700 + 2% on £49,730 ≈ £4,011.
Take-home £68,557.
Scoreboard
Take-home
£68,557
Income tax
£27,432
Class 1 NI
£4,011
Effective levy 31.4% on £100,000 · monthly ≈ £5,713. England uses HMRC income-tax bands shared with Wales and Northern Ireland (20% / 40% / 45% above the personal allowance). There is no separate England income-tax schedule.
England income-tax bands (2026/27)
From GOV.UK — Income Tax rates and Personal Allowances.
| Band | Taxable income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | over £125,140 | 45% |
Salary ladder (2026/27)
| Gross | Take-home | Effective |
|---|---|---|
| £30,000 | £25,120 | 16.3% |
| £40,000 | £32,320 | 19.2% |
| £50,000 | £39,520 | 21.0% |
| £75,000 | £54,057 | 27.9% |
| £100,000 | £68,557 | 31.4% |
| £125,000 | £78,057 | 37.6% |
| £150,000 | £91,286 | 39.1% |
Vs Scotland at £100k: England keeps about £3,300 more (full compare).
Compare England vs …
Wales
£68,557 take-home · rank #2
Open compare →
Northern Ireland
£68,557 take-home · rank #3
Open compare →
Scotland
£65,257 take-home · rank #4
Open compare →
Featured corridors: Scotland vs England · England vs Wales · England vs N. Ireland
What we exclude
- Student loan repayments
- Pension contributions (salary sacrifice / net pay / relief at source)
- Marriage Allowance and Blind Person’s Allowance
- Tax-code variants beyond the standard Insights ladder
- Council tax, stamp duty / LBTT / LTT, VAT
- Self Assessment trading profits and dividends
FAQs
About £68,557 (31.4% effective) — rank #1 of 4.
England uses HMRC income-tax bands shared with Wales and Northern Ireland (20% / 40% / 45% above the personal allowance). There is no separate England income-tax schedule.
England keeps about £3,300 more than Scotland on this £100k vignette.
Open the England calculator at /calculator/uk or Tax Insights at /tax-insights/united-kingdom.
GOV.UK Income Tax rates and Personal Allowances (basic/higher/additional) plus GOV.UK Class 1 NI Category A rates for 2026/27.
Yes above £100,000 of adjusted net income (£1 reduction per £2). At exactly £100,000 the full £12,570 allowance still applies — which is why our £100k vignette still shows the full PA.
No. This hub is PAYE income tax + employee Class 1 NI only.
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