Tax & Income
Work out your take-home (net) pay after income tax, National Insurance, pension and student loan deductions for 2026/27.
Per year, before tax. National Insurance is the same across the UK; income tax bands differ in Scotland.
Pension contribution
Reduces taxable salary for income tax, NI & student loan. Compare salary sacrifice in detail →
£35,000 Gross, Take-Home Pay
Take-home pay per month
£2,393
£28,720 per year
| Period | Take-home (net) |
|---|---|
| Annual | £28,720 |
| Monthly | £2,393 |
| Weekly | £552.30 |
| Daily (260 days/yr) | £110.46 |
| Hourly (37.5 hrs/wk) | £14.73 |
Income tax band breakdown
Your take-home pay, also called net pay, is what's left of your gross salary after income tax and National Insurance are deducted. This calculator uses the 2026/27 personal allowance of £12,570 and the income tax bands for England, Wales and Northern Ireland (or Scotland, if selected) to work out exactly how much you keep.
Open "Optional deductions" to model an employee pension contribution (as a percentage of gross salary, taken via salary sacrifice) and/or a student loan repayment. Student loan repayments use 2026/27 thresholds for Plans 1, 2, 4, 5, and the Postgraduate Loan, charged at 9% (6% for Postgraduate) of income above the relevant threshold.
National Insurance rates are the same UK-wide, 8% on earnings between £12,570 and £50,270, and 2% above that. Income tax differs in Scotland, which has its own bands set by the Scottish Parliament, including a starter rate, an intermediate band, and a higher top rate than the rest of the UK. Select "Scotland" above to see the difference.
The personal allowance remains frozen at £12,570, unchanged since 2021/22 and frozen through 2027/28 under current government policy.
| Income band | Income tax | Employee NI |
|---|---|---|
| Up to £12,570 | 0% | 0% |
| £12,571–£50,270 | 20% | 8% |
| £50,271–£100,000 | 40% | 2% |
| £100,001–£125,140 | 60% effective | 2% |
| Above £125,140 | 45% | 2% |
The 60% effective rate between £100,000 and £125,140 arises because every £2 of income above £100,000 withdraws £1 of personal allowance, creating a 40% income tax rate on £1.50 of income for each £1 earned.
Take-home pay for common UK salaries in 2026/27, assuming a standard tax code with no pension contributions or student loan. Click a salary for a full breakdown.
Built and maintained by Tim, a personal finance enthusiast — not a financial adviser. Last reviewed April 2026. Rates and thresholds are sourced from official UK government publications.
Results are estimates based on the rates and rules in force for the selected tax year. They do not constitute financial or tax advice. For personalised guidance consult HMRC or a qualified adviser.