Take-home pay calculator
Put in your salary to see exactly what lands in your bank account after income tax, National Insurance, student loan and pension, using the 2026/27 rates.
- Tax-free personal allowance
- £12,570
- Higher rate starts at
- £50,270
- Employee National Insurance
- 8%, then 2%
- £35,000 take-home a month
- £2,393
- HMRC 2026/27 rates
- Private: nothing leaves your device
- Free, no sign-up
Your payslip
Payments
Basic salary£2,916.67
Deductions
Income tax£373.83
National Insurance£149.53
Total deductions£523.37
Net pay£2,393.30
Of an 8 hour working day, 1 hour 26 minutes pays your income tax and National Insurance.
| Item | Year | Month | Week | Day |
|---|---|---|---|---|
| Gross pay | £35,000.00 | £2,916.67 | £673.08 | £134.62 |
| Income tax | -£4,486.00 | -£373.83 | -£86.27 | -£17.25 |
| National Insurance | -£1,794.40 | -£149.53 | -£34.51 | -£6.90 |
| Take-home pay | £28,719.60 | £2,393.30 | £552.30 | £110.46 |
Take-home pay on popular salaries
The table below uses the standard tax code, no student loan and no pension, for someone living in England. Tap a salary for its full breakdown.
| Salary | Take-home a year | A month | Tax and NI |
|---|---|---|---|
| £20,000 | £17,919.60 | £1,493.30 | £2,080.40 |
| £25,000 | £21,519.60 | £1,793.30 | £3,480.40 |
| £30,000 | £25,119.60 | £2,093.30 | £4,880.40 |
| £35,000 | £28,719.60 | £2,393.30 | £6,280.40 |
| £40,000 | £32,319.60 | £2,693.30 | £7,680.40 |
| £45,000 | £35,919.60 | £2,993.30 | £9,080.40 |
| £50,000 | £39,519.60 | £3,293.30 | £10,480.40 |
| £55,000 | £42,457.40 | £3,538.12 | £12,542.60 |
| £60,000 | £45,357.40 | £3,779.78 | £14,642.60 |
| £70,000 | £51,157.40 | £4,263.12 | £18,842.60 |
| £80,000 | £56,957.40 | £4,746.45 | £23,042.60 |
| £100,000 | £68,557.40 | £5,713.12 | £31,442.60 |
See every salary from £10,000 to £250,000
Income tax bands for 2026/27
Everyone gets a tax-free personal allowance of £12,570. In England, Wales and Northern Ireland you then pay:
| Band | 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% |
Scottish income tax bands
| Band | Income | Rate |
|---|---|---|
| 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 | Over £125,140 | 48% |
How much of each extra £1 you keep
Five ways to take home more
- Swap pension contributions to salary sacrifice to save National Insurance too.
- Check your tax code on your payslip. A wrong code is the most common reason for overpaying.
- If one of you earns under £12,570, Marriage Allowance can move £1,260 of allowance to your partner.
- Claim tax relief on work costs your employer does not repay, like uniforms or professional fees.
- Earning over £100,000? Pension contributions can pull you out of the 60% trap.
National Insurance
Employees pay Class 1 National Insurance of 8% on earnings between £12,570 and £50,270 a year, and 2% on everything above that. You stop paying once you reach State Pension age.
Student loan thresholds
| Plan | You repay above | Rate |
|---|---|---|
| Plan 1 | £26,900 a year | 9% |
| Plan 2 | £29,385 a year | 9% |
| Plan 4 (Scotland) | £33,795 a year | 9% |
| Plan 5 | £25,000 a year | 9% |
| Postgraduate loan | £21,000 a year | 6% |
Work out repayments on their own with the student loan calculator, or see what a raise is really worth with the pay rise calculator.
Questions people ask
How accurate is this take-home pay calculator?
It uses the 2026/27 income tax bands, National Insurance rates and student loan thresholds published by HMRC and GOV.UK. Your payslip can differ by a few pounds because payroll works out tax each pay period rather than over the whole year, and because of your tax code, benefits in kind or bonuses.
What tax code does the calculator assume?
The standard 1257L code, which gives the full £12,570 personal allowance. Above £100,000 the allowance is cut by £1 for every £2 you earn, and it is gone completely at £125,140.
Does salary sacrifice save National Insurance?
Yes. With salary sacrifice your pension comes out before income tax and National Insurance, so you save both. With a net pay scheme you save income tax only. With relief at source you pay 80% of the contribution and your provider adds the 20% basic rate relief.
Why is my take-home pay different in Scotland?
Scotland sets its own income tax bands and rates, with six bands from 19% to 48%. National Insurance and student loans are the same across the UK. Choose Scotland in the calculator to use the Scottish bands.
Are the figures before or after my pension?
By default the pension is set to 0%. Enter your workplace pension percentage and pick the scheme type from your payslip or HR portal to see your real take-home pay.