UK Take-Home Pay Calculator 2026/27
Work out your pay after income tax, National Insurance, pension and student loan for the 2026/27 tax year. Covers England, Wales, Northern Ireland and Scotland.
Your pay
Percentage of your pay. Leave at 0 if none.
Your take-home pay (2026/27)
Per year
£28,719.60
Per month
£2,393.30
Per week
£552.30
You keep 82.1% of your pay. Tax, National Insurance and loans take 17.9%. The next pound you earn would lose about 28p to tax, National Insurance and loan repayments.
| Year | Month | Week | |
|---|---|---|---|
| Gross pay | £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 pay | £28,719.60 | £2,393.30 | £552.30 |
Your figures stay in this browser tab and are not sent anywhere.
Rates for the 2026/27 tax year (2026-04-06 to 2027-04-05), checked against GOV.UK on 2026-10-19.
How UK take-home pay is worked out
Your take-home pay is what is left after income tax, National Insurance and any other deductions such as a workplace pension or student loan. The first part of your income, your Personal Allowance, is not taxed, and the rest is taxed in bands at rising rates.
Scotland sets its own income tax rates and bands, so the same salary gives a different result there. National Insurance and student loan rules are UK-wide.
Why pension choices change your take-home pay
Paying into a workplace pension reduces your take-home pay, but by less than the contribution because it also reduces the tax you pay. With salary sacrifice you also save National Insurance. Ask your payroll or HR team which method your employer uses.
How to use this calculator
- Enter your pay before tax and choose whether it is per year, month or week.
- Choose where you live. Scotland has its own income tax bands.
- Add your pension contribution, student loan plan or postgraduate loan if they apply.
- Read your take-home pay and the full breakdown by year, month and week.
How it is calculated
Income tax is worked out on pay above your Personal Allowance, using the bands for the 2026/27 tax year. The allowance is reduced by £1 for every £2 of income over £100,000.
Employee National Insurance (category A) is charged on earnings between the primary threshold and the upper earnings limit at the main rate, and above that limit at the lower rate.
Student loan repayments are a percentage of earnings above the threshold for your plan. Pension contributions are taken off first, before tax, under net pay or salary sacrifice.
Worked example
On £35,000 a year in England, income tax is £4,486 and National Insurance is £1,794.40, leaving £28,719.60 a year, or £2,393.30 a month, to take home.
Assumptions and limits
- Figures are for the 2026/27 tax year (6 April 2026 to 5 April 2027) and were checked against GOV.UK on 19 October 2026. Rates change, so check GOV.UK for the latest.
- Assumes the standard tax code, one job and no other income. Benefits in kind, bonuses taxed differently, Marriage Allowance, Gift Aid and the High Income Child Benefit Charge are not included.
- Wales and Northern Ireland use the same income tax bands as England in this calculator.
- For Scottish incomes over £100,000 the result is an approximation.
- Your payslip may differ slightly because payroll rounds, uses your tax code and spreads tax across the year.
Common questions
Is this the same as my payslip?
It should be close. Payslips use your tax code, can include extra items such as benefits in kind, and spread tax across the year, so small differences are normal.
Which tax year does it use?
The 2026/27 tax year, from 6 April 2026 to 5 April 2027. The rates were checked against GOV.UK on 19 October 2026.
Does it include the 60% tax trap?
Yes. Between £100,000 and £125,140 your Personal Allowance is withdrawn, so the effective rate on extra pay is higher. The marginal rate shown reflects this.
Can I use it for part-time or hourly pay?
Work out your yearly pay first, for example hourly rate × hours × 52, then enter that as a yearly amount.
What about self-employment?
This calculator is for employees. Self-employed people pay different National Insurance and file a tax return, so use HMRC’s guidance.
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These calculators give estimates based on the figures you enter and the assumptions listed above. They are not financial advice. Your numbers are worked out in your browser and are not sent to us.
This page provides general information only. It is not personalised financial, legal or tax advice, and rules and figures can change. Your situation is unique — please check official sources such as GOV.UK and MoneyHelper, and speak to a qualified, FCA-authorised adviser before making important decisions about your money.