UK salary and take-home pay calculator 2026/27
Type your salary or wage to see your take-home pay after tax.
- Type your pay before tax and choose how often you get it.
- Add a student loan or pension if you have one. Skip anything you don’t have.
- Your take-home pay shows below and updates as you type.
How to read this table: each column is one pay period. Red numbers are taken out of your pay. The last row is what you actually get.
- Take-home a year
- £28,719.60
- A month
- £2,393.30
- A week
- £552.30
- Overall tax + NI
- 17.9%
| Item | Year | Month | Week | Day | Hour |
|---|---|---|---|---|---|
| Gross pay | £35,000.00 | £2,916.67 | £673.08 | £134.62 | £17.95 |
| Income Tax | -£4,486.00 | -£373.83 | -£86.27 | -£17.25 | -£2.30 |
| National Insurance | -£1,794.40 | -£149.53 | -£34.51 | -£6.90 | -£0.92 |
| Take-home pay | £28,719.60 | £2,393.30 | £552.30 | £110.46 | £14.73 |
How this calculator works
We take your pay and work out everything that comes off it: Income Tax, National Insurance (NI), student loan and pension. What is left is your take-home pay. Figures are for the tax year 2026–2027 (6 April to 5 April).
- Income Tax: after the £12,570 Personal Allowance. Scotland has its own six bands; see the 2026/27 tax rates.
- National Insurance: the NI every employee pays on their wages.
- Student loans: Plan 1, 2, 4, 5 and Postgraduate. Tick more than one if you have an undergraduate and a postgraduate loan.
- Pension: a normal workplace pension comes off before Income Tax. Salary sacrifice comes off before tax and NI, so it saves you a bit more.
Popular salaries after tax
- £20,000 after tax£1,493.30 a month
- £25,000 after tax£1,793.30 a month
- £30,000 after tax£2,093.30 a month
- £35,000 after tax£2,393.30 a month
- £40,000 after tax£2,693.30 a month
- £45,000 after tax£2,993.30 a month
- £50,000 after tax£3,293.30 a month
- £60,000 after tax£3,779.78 a month
- £70,000 after tax£4,263.12 a month
- £80,000 after tax£4,746.45 a month
- £100,000 after tax£5,713.12 a month
Frequently asked questions
What is the Personal Allowance for 2026/27?
£12,570. It shrinks by £1 for every £2 of income above £100,000, so it is gone completely at £125,140.
How much National Insurance do employees pay?
8% on earnings between £12,570 and £50,270 a year, and 2% on anything above that.
Why is my payslip slightly different?
Payroll works out tax each pay period using your tax code, and rounds some figures. Benefits in kind, a different tax code, bonuses or starting part way through the year all change the numbers. Use this calculator as a close estimate.
Does salary sacrifice save more than a normal workplace pension?
Yes, usually. Both reduce the pay you are taxed on, but salary sacrifice also lowers your National Insurance, so the same pension contribution costs you less take-home pay.
Where our numbers come from
- GOV.UK – Income Tax rates and allowances
- GOV.UK – Rates and thresholds for employers 2026 to 2027
- GOV.UK – National Minimum Wage and National Living Wage rates
Rates checked against official sources on 2026-09-28. Contains public sector information licensed under the Open Government Licence v3.0.