UK Take-Home Pay Calculator
Free UK take-home pay calculator for 2026/27: income tax, National Insurance, student loan and pension, for England, Wales, Northern Ireland and Scotland.
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What it does
It works out what is left of a UK salary after income tax, National Insurance, student loan repayments and a workplace pension, using the 2026/27 rates and the separate Scottish bands. It shows the result per year, per month and per week, and the marginal rate on your next pound, including the 60% trap between £100,000 and £125,140.
How to use it
- Type your gross salary and choose whether it is per year, per month or per week, and where you pay tax.
- Add your pension contribution and how your employer takes it, and your student loan plan if you have one.
- Read the take-home pay per month and the full breakdown per year, month and week.
The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.
Frequently asked questions
How much is £35,000 after tax?
In England, Wales or Northern Ireland in 2026/27, with no pension or student loan, about £28,720 a year, or £2,393 a month: £4,486 of income tax and £1,794.40 of National Insurance. In Scotland the income tax is a little higher. Type your own salary to see the exact figures.
Which pension type should I choose?
Look at your payslip or ask payroll. Net pay takes the pension before income tax; salary sacrifice also saves National Insurance, because your salary itself is lower; relief at source takes 80% from your take-home pay and the fund claims the rest. Auto-enrolment minimums apply to qualifying earnings, not the whole salary, so 5% of everything slightly overstates them.
Why is Scottish income tax different?
Scotland sets its own income tax bands and rates: six bands from 19% to 48% instead of three. National Insurance and the personal allowance are the same everywhere in the UK, and so are student loan repayments.
Why does my payslip show a slightly different amount?
Payroll works pay period by pay period, with your tax code: an emergency code, benefits in kind or a bonus month change the deductions, and National Insurance is worked out on each payment separately. For a steady salary on the standard 1257L code the figures here match a full year.
Wikipedia — Taxation in the United Kingdom
Wikipedia — National Insurance
Wikipedia — Student loans and grants in the United Kingdom