Salary calculator: take-home pay

Enter your salary to see what you keep after income tax, National Insurance, student loan and pension in the 2026/27 tax year. The sum is shown step by step under the result.

Take-home pay a month

£2,393.45

£28,721.40 a year · £552.33 a week

Your details

Salary before tax Per year, in pounds

Where you pay income tax Scotland has its own rates England Wales Northern Ireland Scotland

Pension, student loan and hours

Pension scheme No pension Workplace, taken before tax (net pay) Workplace or personal, tax relief added by provider (relief at source) Salary sacrifice

You pay Percent of salary %

Student loan None Plan 1 Plan 2 Plan 4 (Scotland) Plan 5 Postgraduate loan as well

Hours you work a week Used only for the hourly figure

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Your take-home pay

A year	£28,721.40
A month	£2,393.45
A week	£552.33
A working day	£110.47
An hour	£14.73

Where your salary goes

	A year
Salary	£35,000.00
Income tax	£4,484.20
National Insurance	£1,794.40
Take-home pay	£28,721.40

Each extra £1,000 of salary adds £720.00 to your take-home pay a year.

Your marginal rate is 28%: of the next £100 you earn, £28.00 goes in tax, National Insurance and student loan.

Your employer also pays £4,500.00 in National Insurance. It is not taken from your pay.

How this was worked out

1. Salary: £35,000
2. Personal allowance: £12,570. Payroll applies it as tax code 1257L, which gives £12,579 of tax-free pay.
3. Taxable income: £35,000 − £12,579 = £22,421
4. Basic rate: £22,421 × 20% = £4,484.20
5. Income tax: £4,484.20
6. National Insurance: (£35,000 − £12,570) × 8% = £1,794.40
7. Take-home pay: £35,000 − £4,484.20 − £1,794.40 = £28,721.40

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What the calculator assumes

• The 2026/27 tax year, 6 April 2026 to 5 April 2027.
• You have the standard tax code for the year and no other income. A different tax code, benefits in kind or a second job will change your figures.
• You pay the standard rate of employee National Insurance (category A).
• The pension percentage applies to your whole salary. Some workplace schemes use only part of it, called qualifying earnings.
• The sums are worked out for the whole year at once. Your employer works out each payslip on its own, so a month can be a few pence different.

How the figures are worked out

Income tax is charged on your pay above your personal allowance, which is £12,570 for most people. In England, Wales and Northern Ireland the first £37,700 of taxable income is taxed at 20%, income above that up to £125,140 at 40%, and anything more at 45%.

Scotland sets its own rates, from 19% to 48%, over more bands than the rest of the UK. Choose Scotland in the calculator if you live there.

If your income is over £100,000, you lose £1 of personal allowance for every £2 above that figure. Until the allowance is used up, each extra pound you earn costs more in tax than the band rate suggests. The calculator tells you when this applies to you.

Employee National Insurance is 8% of your pay between £12,570 and £50,270 a year, and 2% of pay above that.

Student loan repayments are 9% of your pay 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. A postgraduate loan is 6% of pay above £21,000, on top of any other plan.

How your pension affects the result depends on the type of scheme. Salary sacrifice lowers the pay that tax, National Insurance and student loans are worked out on. A net pay scheme lowers the pay that tax is worked out on, but not National Insurance. With relief at source you pay the contribution less basic-rate tax relief of 20%, and your pension provider claims that relief from HMRC.

Every rate on this page comes from GOV.UK. The sources page lists each one with a link to where we found it and the date we checked it. The methodology page explains the rounding and the other choices behind the sums.

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