Press Ctrl + D to bookmark Take-Home Pay Calculator.
Open your browser menu (⋮ or the share icon) and tap Bookmark or Add to Home Screen.
UK Take-Home Pay Calculator
Enter your salary to see what you take home after income tax, National Insurance, student loan repayments and your pension, using the 2026/27 rates for England, Wales and Northern Ireland or Scotland.
Paid for 52 weeks a year.
Auto-enrolment is usually 5%; your payslip or pension letter says which kind.
Your take-home pay
from before tax · a year
- You keep
- Tax rate overall
- On your next £100
In you would take home , .
Where your pay goes
| Item | Year | Month | Fortnight | Week |
|---|---|---|---|---|
| Gross pay | ||||
| Take-home pay | ||||
Income tax, band by band
Taxable pay , after a personal allowance of .
| Income | Rate | Your income | Tax |
|---|---|---|---|
Enter your pay to see what you take home.
Income tax 2026/27: England, Wales or Northern Ireland
| Taxable pay above the allowance | Band | Rate |
|---|---|---|
| £0 to £37,700 | Basic rate | 20% |
| £37,700 to £125,140 | Higher rate | 40% |
| Over £125,140 | Additional rate | 45% |
Personal allowance £12,570, reduced by £1 for every £2 of income over £100,000.
Income tax 2026/27: Scotland
| Taxable pay above the allowance | Band | Rate |
|---|---|---|
| £0 to £3,967 | Starter rate | 19% |
| £3,967 to £16,956 | Basic rate | 20% |
| £16,956 to £31,092 | Intermediate rate | 21% |
| £31,092 to £62,430 | Higher rate | 42% |
| £62,430 to £125,140 | Advanced rate | 45% |
| Over £125,140 | Top rate | 48% |
Personal allowance £12,570, reduced by £1 for every £2 of income over £100,000.
National Insurance and student loans 2026/27
- Employee NI: 8% from £12,570 to £50,270, 2% above.
- Plan 1: 9% over £26,900 a year.
- Plan 2: 9% over £29,385 a year.
- Plan 4 (Scotland): 9% over £33,795 a year.
- Plan 5: 9% over £25,000 a year.
- Postgraduate Loan: 6% over £21,000.
Tax year 2026/27 (6 April 2026 to 5 April 2027). Rates last checked 23 October 2026. This is an estimate for one job paid evenly through the year, not tax advice; your payslip can differ. Check with your employer, the tax office or a tax adviser before you rely on it.
About the Take-Home Pay Calculator
The take-home pay calculator shows what you keep from your salary after income tax and payroll deductions, with each country’s current tax year: the UK’s 2026/27 bands and National Insurance, US federal, state and FICA taxes for 2026, Canadian federal and provincial tax with CPP and EI, and Australia’s 2026–27 rates with the Medicare levy and super. Enter a yearly, monthly, weekly or hourly amount and see your pay per year, month, fortnight and week, the tax band by band, and your marginal rate.
How to use it
- 1 Pick your country, and your state or province where it asks.
- 2 Enter your pay before tax and choose whether it is per year, month, fortnight, week or hour.
- 3 Add your pension, 401(k), student loan or other options that apply to you.
- 4 Read your take-home pay per pay period and the tax band by band, compare another state or province, and copy the share link if you need it.
Frequently asked questions
How much tax do I pay on £35,000 in the UK?
In England, Wales or Northern Ireland in 2026/27, a £35,000 salary pays £4,486 income tax (20% on the £22,430 above the £12,570 personal allowance) and £1,794.40 National Insurance (8% on the same £22,430). That leaves £28,719.60 a year, or about £2,393 a month, before any pension or student loan.
What are the UK income tax bands for 2026/27?
In England, Wales and Northern Ireland: no tax on the first £12,570, 20% basic rate up to £50,270, 40% higher rate up to £125,140, and 45% above. In Scotland: 19% starter, 20% basic, 21% intermediate, 42% higher, 45% advanced and 48% top rate. The bands are frozen until 2031.
How much National Insurance do I pay?
Employees pay Class 1 National Insurance of 8% on earnings between £12,570 and £50,270 a year, and 2% on everything above. You stop paying once you reach State Pension age. Employers pay their own 15% on top, which does not come out of your pay.
Why is my tax so high between £100,000 and £125,140?
Your personal allowance falls by £1 for every £2 you earn over £100,000, so it is gone at £125,140. In that band each extra £1 loses 50p of allowance taxed at 40%, which makes the real rate 60% (62% with NI). Paying more into your pension through salary sacrifice brings your income back under £100,000.
When do I repay my student loan?
You repay 9% of what you earn above your plan’s threshold: £26,900 for Plan 1, £29,385 for Plan 2, £33,795 for Plan 4 and £25,000 for Plan 5 in 2026/27. A Postgraduate Loan is 6% above £21,000, on top of any other plan.
What is the difference between salary sacrifice, net pay and relief at source?
Salary sacrifice lowers your salary, so you save income tax and National Insurance. A net pay arrangement takes the pension before tax, so you save tax but not NI. Relief at source takes 80% of the contribution from your pay after tax and the pension firm claims the 20% basic-rate relief; higher-rate taxpayers claim the rest through a tax return, which this calculator does not include.
Is this exactly what my payslip will show?
It is close for a normal tax code (1257L, or S1257L in Scotland) paid evenly through the year. Payroll works out tax and NI each pay period, so months with a bonus, a different tax code, benefits in kind, or a mid-year start will differ. It does not include employer NI, Marriage Allowance, or the High Income Child Benefit Charge.
Related tools
Salary Converter
Hourly wage to monthly and yearly salary, and back
Minimum Wage by Country
Minimum wages per hour and month for 33 countries, in local money and US dollars
India Income Tax Calculator
New vs old regime tax for FY 2026-27 with HRA, 80C, 80D and the 87A rebate
Bangladesh Income Tax Calculator
Personal income tax with the 2025-26 and 2026-27 NBR slabs and rebate
Budget Planner
Split your income into needs, wants and savings
Percentage Calculator
Calculate percentages