Salary calculator
Tax year 2026/27See your take-home pay after income tax, National Insurance, student loan and pension, with the working shown.
Your take-home pay
£35,000.00 a year in England, tax year 2026/27
Example for a £35,000 salary. Type your own salary above to see yours.
Take-home pay a month£2,393.31£28,719.60 a year
Estimate only, not advice. Uses yearly figures, so your payslips may differ slightly.
- Take-home pay 82.1%
- Income tax 12.8%
- National Insurance 5.1%
| Item | Year | Month | Week |
|---|---|---|---|
| Salary | £35,000.00 | £2,916.67 | £673.08 |
| Income tax | £4,486.00 | £373.83 | £86.27 |
| National Insurance | £1,794.40 | £149.53 | £34.51 |
| Take-home | £28,719.60 | £2,393.31 | £552.30 |
Take-home a working day: £110.47. An hour: £14.73, based on 37.5 hours a week.
- Effective rate
- 17.94%
- of your salary goes in income tax, NI.
- Marginal rate
- 28%
- of your next pound would go in income tax, NI.
Income tax band by band
Personal Allowance: £12,570.00. Taxable income: £22,430.00.
| Band | Rate | Income in band | Tax |
|---|---|---|---|
| Basic | 20% | £22,430.00 | £4,486.00 |
How your take-home pay is worked out
Your take-home pay is your salary minus up to four things: income tax, National Insurance, any student loan repayment and any pension contribution. Each one is worked out on a whole year's pay, using the rules for the 2026/27 tax year.
A worked example
Take a salary of £30,000 in England, with no pension and no student loan.
- The first £12,570 is your Personal Allowance, so it is tax-free.
- The remaining £17,430 is taxed at the basic rate of 20%, which is £3,486.00 of income tax.
- National Insurance is 8% of earnings above £12,570, which is £1,394.40.
- That leaves take-home pay of £25,119.60 a year, or £2,093.30 a month.
Income tax
Most people get a tax-free Personal Allowance of £12,570. In England, Wales and Northern Ireland, the next £37,700 is taxed at 20%, income above that at 40%, and taxable income over £125,140 at 45%. Wales sets its own rates, but for 2026/27 they are the same as England's.
Scotland has 6 income tax bands, from 19% up to 48%. You pay Scottish income tax if your main home is in Scotland. If you have homes in Scotland and elsewhere in the UK, your main home is usually where you live and spend most of your time (GOV.UK: if you live in more than one home). The full tables for both are on our How we calculate page.
Earning over £100,000
Above £100,000, your Personal Allowance shrinks by 50% of every extra pound until it is gone. On a salary of £110,000, the allowance is down to £7,570, and 62% of each extra pound goes in income tax and National Insurance. Paying into a pension through salary sacrifice or net pay lowers the income used for this test, so it can bring some or all of the allowance back.
National Insurance
Employees pay 8% on earnings between £12,570 and £50,270 a year, and 2% on anything above. Your employer also pays National Insurance on your earnings (GOV.UK: National Insurance rates). This calculator shows only what you pay.
Student loans
You repay a share of your earnings above your plan's threshold: 9% above £29,385 for Plan 2, for example. If you have more than one undergraduate plan, you make a single repayment based on the lowest threshold. A Postgraduate Loan adds 6% of earnings above £21,000 on top. Repayments are worked out on the same pay as National Insurance.
Pensions: salary sacrifice or net pay
How your workplace pension is set up changes your take-home pay, even when you pay in the same amount.
- Salary sacrifice: you give up part of your salary and your employer pays it into your pension. You pay no income tax, National Insurance or student loan repayment on the part you give up. A lower salary can also reduce some statutory payments and benefits, such as Statutory Maternity Pay, so check with your employer before you agree to it (GOV.UK: salary sacrifice).
- Net pay arrangement: your contribution is taken before income tax, so you get tax relief, but National Insurance and student loan repayments are still worked out on your full salary. If your income is below the Personal Allowance you pay no income tax, so you get no relief through your pay. From the 2024 to 2025 tax year, HMRC pays eligible people a top-up after the tax year ends instead (GOV.UK: relief for net pay arrangements). This calculator does not include that top-up.
For example, on £40,000 with a Plan 2 student loan, paying £2,000 a year into a pension:
| Item | Salary sacrifice | Net pay |
|---|---|---|
| Pay used for income tax | £38,000.00 | £38,000.00 |
| Pay used for NI and student loan | £38,000.00 | £40,000.00 |
| Income tax | £5,086.00 | £5,086.00 |
| National Insurance | £2,034.40 | £2,194.40 |
| Student loan | £775.35 | £955.35 |
| Take-home | £30,104.25 | £29,764.25 |
Salary sacrifice leaves you £340.00 a year better off here, because National Insurance and the student loan repayment are worked out on £38,000 instead of £40,000. Some pensions use a third method, relief at source, which this calculator does not include.
Take-home pay for common salaries
See the full breakdown for common salaries, from £20,000 to £125,140, on our salaries after tax page.
Why your payslip may be a little different
This calculator works on yearly figures. Payroll works out each pay period separately and rounds student loan repayments down to whole pounds. Your tax code can also be different from the standard one, for example if you get benefits from your job, have income from another job or pension, or owe tax from an earlier year (GOV.UK: why your tax code might change). So your payslips can differ slightly from these figures. Read more on How we calculate.