What’s £80k take-home pay?
Updated 12 November 2026 · Tax year 2026/27 · England, Wales or Northern Ireland · No pension · No student loan · Standard personal allowance
Scope: England, Wales and Northern Ireland only, one salary. For Scotland see Scotland versus the rest of the UK; for loan detail see the student loan guides.
£80,000 puts £29,730 of pay in the 40% band. It is also exactly where the High Income Child Benefit Charge claws back 100% of Child Benefit. This page works the 2026/27 figures line by line for England, Wales or Northern Ireland, using the same engine as the Take-Home Lab calculator. It is an illustration, not a payslip or tax advice.
Worked example — £80,000 gross
- Gross pay: £80,000.00 · personal allowance £12,570 · taxable £67,430
- Basic 20% on £37,700: £7,540.00
- Higher 40% on £29,730: £11,892.00
- Income tax: £19,432.00
- Employee NI: 8% × £37,700 + 2% × (£80,000 − £50,270) = £3,610.60
- Take-home: £56,957.40 a year (£4,746.45 a month · £1,095.33 a week)
You keep 71.2% of the headline salary. The next pound earned keeps 58p (40% tax and 2% NI).
Second example — £80,000 with a 10% salary-sacrifice pension
Assumptions: 2026/27 · £80,000 gross · 10% salary-sacrifice pension (£8,000.00 a year) · standard £12,570 allowance · no student loan.
- Income tax: £16,232.00 · employee NI: £3,450.60
- Pension contribution: £8,000.00
- Take-home: £52,317.40 a year (£4,359.78 a month)
Take-home falls by £4,640.00 while £8,000.00 goes into the pension: tax and NI cover the other £3,360.00. Salary sacrifice saves both income tax and NI. See salary sacrifice versus net pay.
The £80k angle: Child Benefit fully clawed back, and Scotland at 45%
At £80,000 of adjusted net income the Child Benefit charge equals the whole benefit, so a claiming parent gets nothing net. In Scotland, £5,000 of this salary sits in the 45% advanced band (above £75,000); Scottish income tax is £21,732.05 against £19,432.00, so Scottish take-home is £2,300.05 lower (£54,657.35). See Scotland versus the rest of the UK.
Child Benefit charge at £80,000
The High Income Child Benefit Charge is 100% of the Child Benefit received at £80,000 of adjusted net income. With 2026/27 rates (£27.05 a week for the eldest child, £17.90 for each other child):
| Children | Child Benefit a year | Charge at £80,000 | Kept |
|---|---|---|---|
| 1 | £1,406.60 | £1,406.60 | £0.00 |
| 2 | £2,337.40 | £2,337.40 | £0.00 |
| 3 | £3,268.20 | £3,268.20 | £0.00 |
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The charge is paid through Self Assessment, or through your tax code if you opt in. At this level you can opt out of payments, but still claim so a non-earning parent keeps National Insurance credits towards their State Pension.
Reducing adjusted net income
Pension contributions reduce adjusted net income. Sacrificing £20,000 to bring income down to £60,000 would cost £11,600.00 of take-home before the Child Benefit effect, and remove the charge completely. Gift Aid donations also count.
More questions
Do I need to file a tax return? Only if you or your partner owe the Child Benefit charge (and you haven't opted to pay it through PAYE), or you have other untaxed income. PAYE salary on its own does not need one.
What £80,000 means for Child Benefit
At £80,000 of adjusted net income the High Income Child Benefit Charge takes back all of the Child Benefit. To bring income back to £60,000 through salary sacrifice you would put £20,000 into your pension, cutting take-home by £11,600, and keep all the Child Benefit. Smaller contributions reduce the charge by 1% for every £200.
£80,000 at a glance
| Year | Month | Week | |
|---|---|---|---|
| Gross | £80,000.00 | £6,666.67 | £1,538.46 |
| Income tax | £19,432.00 | £1,619.33 | £373.69 |
| Employee NI | £3,610.60 | £300.88 | £69.43 |
| Take-home | £56,957.40 | £4,746.45 | £1,095.33 |
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Effective deduction rate: 28.8% of gross goes in income tax and NI. Marginal rate on the next £100: 42.0%.
£80,000 with common add-ons
| Set-up | Take-home a year | A month |
|---|---|---|
| No pension, no loan | £56,957.40 | £4,746.45 |
| 5% salary sacrifice | £54,637.40 | £4,553.12 |
| 5% net pay pension | £54,557.40 | £4,546.45 |
| Plan 2 loan | £52,402.05 | £4,366.84 |
| Plan 5 loan | £52,007.40 | £4,333.95 |
| Postgraduate loan | £53,417.40 | £4,451.45 |
| Scotland, no extras | £54,657.35 | £4,554.78 |
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Plan 2 takes £4,555.35 a year here; Plan 5 takes £4,950.00. The 5% pension rows put £4,000.00 into the pension either way, but salary sacrifice also saves NI, so it leaves £80.00 more take-home than net pay.
Nearby salaries compared
| Salary | Take-home a year | A month | Kept per extra £1 |
|---|---|---|---|
| £70,000 | £51,157.40 | £4,263.12 | 58p |
| £75,000 | £54,057.40 | £4,504.78 | 58p |
| £80,000 | £56,957.40 | £4,746.45 | 58p |
| £90,000 | £62,757.40 | £5,229.78 | 58p |
| £100,000 | £68,557.40 | £5,713.12 | 38p |
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Quick answers
What is £80,000 a month after tax? £4,746.45 in England, Wales or Northern Ireland with no pension or loan, and £4,554.78 in Scotland.
What hourly rate is £80,000? About £41.03 an hour gross on 37.5 hours a week for 52 weeks, or £29.21 an hour after tax and NI. See hourly pay to take-home.
How much of a £1,000 rise would I keep? £580.00 at this salary.
Sources (checked 12 November 2026): HMRC rates and thresholds for employers 2026 to 2027; Scottish Government Scottish Income Tax 2026 to 2027. Engine: js/tax.js, cross-checked by hand. Illustrative only — not a payslip and not tax advice. Rodway Labs · hello@takehomelab.co.uk.