Mortgage Calculator
A mortgage calculator estimates your monthly repayment from the property price, your deposit, the interest rate and the…
UK Take-Home Pay Calculator 2026/27
A take home pay calculator shows what lands in your bank after income tax, National Insurance, pension and student loan. In the 2026/27 tax year a £35,000 salary with no pension or student loan leaves £28,720 a year, or £2,393.30 a month, after £4,486 income tax and £1,794 National Insurance.
How to use this UK salary calculator
- Enter your pay. Type your gross pay before deductions and choose whether it is per year, month, week or hour. For hourly pay, add your usual weekly hours.
- Add your pension. Enter the percentage you pay in and pick the scheme type shown on your payslip. Salary sacrifice also saves National Insurance.
- Pick your student loan plan. Choose your plan and tick the box if you also repay a Postgraduate Loan.
- Read the breakdown. See monthly take-home pay, the yearly totals, and a table with yearly, monthly and weekly figures you can match against your payslip.
UK income tax rates and bands for 2026/27
Most people in England, Wales and Northern Ireland pay income tax on earnings above a tax-free Personal Allowance of £12,570. The allowance and thresholds are frozen until April 2031, so pay rises pull more income into higher bands over time.
| 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% |
Scotland sets its own income tax rates and bands for earned income, so this calculator does not cover Scottish taxpayers (tax codes starting with S). National Insurance and student loans work the same across the UK.
National Insurance calculator: what employees pay
Employees pay Class 1 National Insurance on earnings above the Primary Threshold:
- 8% on earnings between £12,570 and £50,270 a year
- 2% on earnings above £50,270
NI is worked out on each pay period separately, not over the year. If your pay goes up and down month to month, the NI on your payslip may differ slightly from the yearly figure shown here. Salary sacrifice reduces the pay that NI is charged on; net pay and relief at source pension schemes do not.
Take-home pay on common UK salaries
Figures for 2026/27 with no pension, no student loan and tax code 1257L:
| Salary | Income tax | National Insurance | Take-home per year | Per month |
|---|---|---|---|---|
| £20,000 | £1,486 | £594 | £17,920 | £1,493.30 |
| £25,000 | £2,486 | £994 | £21,520 | £1,793.30 |
| £30,000 | £3,486 | £1,394 | £25,120 | £2,093.30 |
| £40,000 | £5,486 | £2,194 | £32,320 | £2,693.30 |
| £50,000 | £7,486 | £2,994 | £39,520 | £3,293.30 |
| £60,000 | £11,432 | £3,211 | £45,357 | £3,779.78 |
| £80,000 | £19,432 | £3,611 | £56,957 | £4,746.45 |
| £100,000 | £27,432 | £4,011 | £68,557 | £5,713.12 |
| £150,000 | £53,703 | £5,011 | £91,286 | £7,607.20 |
Use the net salary calculator above with your own pension and student loan details for a figure that matches your payslip more closely.
The £100,000 tax trap
Once your adjusted net income goes over £100,000, you lose £1 of Personal Allowance for every £2 you earn above it. By £125,140 the allowance is gone. In that band each extra £1 costs 40p in tax plus 20p from the lost allowance, an effective rate of 60%, or 62% with National Insurance.
Pension contributions are the usual way out. A £110,000 earner who salary-sacrifices 10% into a pension brings income down to £99,000, keeps the full allowance, and takes home £67,977 a year instead of £72,357, while £11,000 goes into the pension. In other words, £11,000 of pension costs only £4,380 of take-home pay.
How pension tax relief changes your pay
The scheme type changes how relief reaches you. On a £35,000 salary with a 5% contribution (£1,750 a year):
| Scheme type | Income tax | NI | Take-home per year |
|---|---|---|---|
| Net pay arrangement | £4,136 | £1,794 | £27,320 |
| Salary sacrifice | £4,136 | £1,654 | £27,460 |
| Relief at source | £4,486 | £1,794 | £27,320 |
- Net pay: your contribution is taken before income tax, so you get relief at your top rate straight away.
- Salary sacrifice: you give up salary in exchange for an employer contribution, saving income tax and NI.
- Relief at source: you pay 80% from taxed pay and the provider claims the 20% basic-rate relief. Higher and additional-rate taxpayers claim the rest through Self Assessment; the calculator already extends your basic-rate band to reflect this.
Student loan repayment thresholds 2026/27
Student loan repayments are a percentage of earnings above your plan’s threshold, taken through payroll:
| Plan | Yearly threshold | Rate |
|---|---|---|
| Plan 1 | £26,900 | 9% |
| Plan 2 | £29,385 | 9% |
| Plan 4 (Scotland) | £33,795 | 9% |
| Plan 5 | £25,000 | 9% |
| Postgraduate Loan | £21,000 | 6% |
On £35,000, a Plan 2 borrower repays £505 a year. Someone with both a Plan 2 and a Postgraduate Loan repays £505 plus £840, and their take-home pay falls to £27,374.
Take-home pay FAQs
How much is £35,000 a year after tax?
In 2026/27, £35,000 a year is £28,720 after income tax and National Insurance, or £2,393.30 a month, assuming no pension, no student loan and tax code 1257L.
Why is my payslip different from this income tax calculator UK result?
Common reasons are a different tax code, benefits in kind, overtime or bonuses, or NI being worked out per pay period. Check the tax code on your payslip against 1257L.
Does this calculator work for Scotland?
No. Scottish taxpayers pay different income tax rates and bands. National Insurance and student loan figures would still be correct, but the income tax figure would not.
Is employer pension included?
No. Only your own contribution affects your take-home pay. Your employer’s contribution is paid on top and does not reduce your pay, except through salary sacrifice arrangements.
How is hourly pay converted to a salary?
Hourly rate × hours per week × 52. For example £15 an hour for 37.5 hours a week is £29,250 a year, which leaves £24,580 after tax and NI.
Sources and methodology
Income tax uses 2026/27 rUK bands (Personal Allowance £12,570, tapered by £1 for every £2 of adjusted net income over £100,000). Employee Class 1 NI is 8% between £12,570 and £50,270 and 2% above, calculated annually. Salary sacrifice reduces pay for tax, NI and student loans; net pay arrangements reduce pay for income tax only; relief-at-source contributions cost 80% of the gross amount and extend the basic and higher rate bands. Student loan deductions use 2026/27 thresholds on NI-able pay. Tax code 1257L is assumed. All example figures were produced by this calculator.
- GOV.UK: Income Tax rates and Personal Allowances
- GOV.UK: Rates and thresholds for employers 2026 to 2027
- GOV.UK: Repaying your student loan, what you pay
- GOV.UK: Tax on your private pension contributions
Figures and thresholds valid for the 2026/27 UK tax year (6 April 2026 to 5 April 2027), England, Wales and Northern Ireland.
Related calculators
Compound Interest Calculator
A compound interest calculator shows how money grows when interest earns interest. $10,000 at 5% compounded monthly becomes…
Loan Calculator
A loan calculator shows the fixed monthly payment on an amortizing loan and how much interest you pay…
US Paycheck Calculator
A paycheck calculator estimates take-home pay after federal income tax, Social Security, Medicare and pre-tax deductions. On a…