Free calculator · 2026/27 rates

Take-home pay calculator 2026/27

This take-home pay calculator shows what is left of your UK salary after income tax, National Insurance, pension contributions and student loan repayments. In 2026/27 a £35,000 salary with the standard tax code leaves £28,720 a year, or £2,393 a month. Enter your own salary to see yearly, monthly, weekly, daily and hourly figures.

Take-home pay · 2026/27

Per month

£2,393.30

Per year

£28,719.60

Per week

£552.30

Gross: £35,000
Income tax: £4,486
National Insurance: £1,794
Effective rate: 17.9%

Take-home pay breakdown by period for 2026/27
Item	Yearly	Monthly	Weekly	Daily	Hourly
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

Where your gross pay goes

Take-home £28,720(82%)Income tax £4,486(13%)National Insurance £1,794(5%)

Effective tax rate: 17.9%
Marginal rate: 28%
Personal allowance: £12,570
Tax code: 1257L

Effective rate is income tax, NI and loan repayments as a share of gross pay. Marginal rate is what you lose from the next £1 earned. Employer NI on this salary is £4,500 a year on top.

Income tax by band
Band	Rate	Taxable	Tax
Basic rate	20%	£22,430	£4,486.00
Total income tax		£22,430	£4,486.00

How is take-home pay worked out?

Your employer runs four deductions in a fixed order. First, any salary sacrifice or net-pay pension contribution is taken off. Then income tax is charged on what is left above your personal allowance of £12,570, using the bands below. National Insurance is worked out separately on your pay above £12,570. Finally, any student loan repayment is taken at 9% (6% for a Postgraduate Loan) of pay above your plan threshold.

England, Wales and Northern Ireland income tax bands 2026/27 (with standard personal allowance)
Band	Income range	Rate
Personal allowance	Up to £12,570	0%
Basic rate	£12,571 to £50,270	20%
Higher rate	£50,271 to £137,710	40%
Additional rate	£137,711 and above	45%

Scottish income tax bands 2026/27 (with standard personal allowance)
Band	Income range	Rate
Personal allowance	Up to £12,570	0%
Starter rate	£12,571 to £16,537	19%
Basic rate	£16,538 to £29,526	20%
Intermediate rate	£29,527 to £43,662	21%
Higher rate	£43,663 to £75,000	42%
Advanced rate	£75,001 to £125,140	45%
Top rate	£125,141 and above	48%

Class 1 National Insurance 2026/27
Who pays	Earnings	Rate
Employee	Up to £12,570 a year	0%
Employee	£12,571 to £50,270	8%
Employee	Above £50,270	2%
Employer	Above £5,000	15%

Worked example: £35,000 with a pension and Plan 2 loan

On £35,000 with a 5% net-pay pension and a Plan 2 student loan, the pension of £1,750 comes off first, leaving £33,250 taxable pay. Income tax is £4,136, National Insurance is £1,794 (NI is not reduced by a net-pay pension) and the student loan takes £504. Take-home pay is £26,816 a year, £2,235 a month, an effective rate of 18.4%.

Without the pension and loan the same salary leaves £28,720. The pension costs £1,400 of take-home pay for £1,750 saved, because it is taken before tax.

What do people get wrong about take-home pay?

Entering the wrong pension type. Net pay and salary sacrifice reduce your taxable pay; relief at source does not, and the provider adds 20% instead. Salary sacrifice is the only one that also cuts National Insurance.
Ignoring the tax code. A code other than 1257L changes your allowance. Use the tax code explainer to check what yours means.
Assuming a bonus is taxed at a special rate. It is not. A bonus is added to your annual pay and taxed at your marginal rate, which is why a bonus month looks heavily taxed.
Forgetting the £100,000 taper. Above £100,000 you lose £1 of personal allowance for every £2 earned, giving a 62% marginal rate up to £125,140.

Browse pre-calculated figures for every salary from £10,000 to £250,000 on the salary after tax pages.

Frequently asked questions

How is take-home pay calculated in 2026/27?

Your employer takes income tax and National Insurance from gross pay through PAYE. Income tax is charged on pay above the £12,570 personal allowance at 20%, 40% and 45% (different rates in Scotland). Employee NI is 8% on earnings between £12,570 and £50,270 and 2% above that. Pension and student loan deductions come off too.

How much is £35,000 after tax?

On a £35,000 salary in 2026/27 with the standard tax code, you take home £28,720 a year or £2,393 a month. That is after £4,486 income tax and £1,794 National Insurance, with no pension or student loan.

Why is my take-home pay different from the calculator?

The most common reasons are a non-standard tax code, a pension taken by salary sacrifice or relief at source, a student loan, or benefits in kind such as a company car. Check the tax code on your payslip and enter it in the calculator. Your first payslip in a new job can also be on an emergency code.

Does the calculator work for Scotland?

Yes. Switch the region to Scotland and it applies the six Scottish bands: 19%, 20%, 21%, 42%, 45%, 48%. National Insurance, student loans and the personal allowance are the same across the UK because they are set by the UK Government.

What is the difference between effective and marginal tax rate?

Your effective rate is total tax, NI and loan repayments divided by your whole salary. Your marginal rate is what you lose from the next pound you earn. On £60,000 the effective rate is around 24% but the marginal rate is 42%, because only income above £50,270 is taxed at 40% plus 2% NI.

Is the calculator accurate for monthly pay?

It uses the annual method, which matches your total deductions over a full tax year. Individual payslips can differ slightly because PAYE spreads allowances across the year and NI is worked out per pay period. Bonuses or overtime in one month can push that month's deductions above the average.

Your pay