UK Take-Home Pay Calculator
Calculate your UK take-home pay after Income Tax, National Insurance and pension contributions for the 2026/27 tax year.
Take-home pay (annual)
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Monthly take-home —
Income Tax —
National Insurance —
England, Wales & NI rates for 2026/27 (Scotland uses different bands). Excludes student loan repayments — verify current thresholds at gov.uk.
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How it works
Income tax: 0% to £12,570, 20% to £50,270, 40% to £125,140, 45% above; NI: 8% between primary threshold and UEL, 2% aboveFrequently Asked Questions
How is UK take-home pay calculated?
From gross salary, subtract Income Tax (0% up to the £12,570 personal allowance, 20% to £50,270, 40% to £125,140, 45% above) and National Insurance (8% on earnings between about £12,570 and £50,270, 2% above), plus any pension contribution. A £35,000 salary nets roughly £28,400 a year.
Why does my personal allowance disappear above £100,000?
The £12,570 tax-free allowance reduces by £1 for every £2 earned over £100,000, vanishing entirely at £125,140 — creating an effective 60% marginal tax rate in that band, which this calculator applies.
Does this include student loan repayments?
No — student loan plans (1, 2, 4, 5 or postgraduate) deduct a further 6–9% above their own thresholds and aren't included here; add that separately if it applies to you.