Take-home pay calculator
Work out your take-home pay from your salary for 2026 to 2027, by the year, month and week, after income tax, National Insurance, pension and student loan.
- Take-home a month
- £2,277
- £27,320 a year, £525 a week
- Income tax
- £4,486
- a year, £374 a month
- National Insurance
- £1,794
- a year, £149 a month
- Pension from your pay
- £1,400
- £1,750 a year reaches your pension, with £350 added as tax relief
- Student loan repayments
- £0
- a year
- Take-home 78%
- Income tax 13%
- National Insurance 5%
- Pension 4%
| Pay | Year | Month | Week |
|---|---|---|---|
| Salary | £35,000 | £2,916.67 | £673.08 |
| Income tax | −£4,486 | −£373.83 | −£86.27 |
| National Insurance | −£1,793.88 | −£149.49 | −£34.50 |
| Pension | −£1,400 | −£116.67 | −£26.92 |
| Take-home | £27,320.12 | £2,276.68 | £525.39 |
Show the income tax bands
| Band | Rate | Income | Tax |
|---|---|---|---|
| Personal allowance | 0% | £12,570 | £0 |
| Basic rate | 20% | £22,430 | £4,486 |
Uses the 2026 to 2027 tax year’s rules: a £12,570 personal allowance that shrinks by £1 for every £2 over £100,000, Scottish or UK income tax bands, and employee National Insurance at 8% and 2%. It assumes a standard tax code, pay that’s the same every month and no other income or benefits in kind. NI and student loans are worked out month by month, as payroll does; weekly figures are the year divided by 52. With relief at source, the pension provider adds 20% and higher rate taxpayers claim the rest from HMRC; these figures include that claim. Salary sacrifice can’t take your pay below the minimum wage.
What to put in
Your salary for the year before tax, where you live and what goes into your workplace pension. Scotland has its own income tax bands; England, Wales and Northern Ireland share the UK ones. Put the pension in as a percentage of your salary and pick how your employer takes it: salary sacrifice, net pay or relief at source. Your payslip or pension scheme will say which. Add your student loan plan if you’re repaying one.
How it’s worked out
In 2026 to 2027 the first £12,570 is tax-free. In England, Wales and Northern Ireland the next £37,700 is taxed at 20%, then 40% up to £125,140 and 45% above that. Over £100,000 the tax-free allowance shrinks by £1 for every £2. Scotland has six rates, from 19% to 48%.
Employee National Insurance is 8% on pay between £1,048 and £4,189 a month and 2% above that. Student loans take 9% of pay over your plan’s threshold, such as £29,385 a year for Plan 2, and a Postgraduate Loan takes 6% over £21,000.
On a £35,000 salary in England with 5% going into a pension by relief at source, you’d take home £2,277 a month, or £27,320 a year. Payroll spreads tax across the year a little differently, so your payslips can be a pound or two out.
What’s changing
The personal allowance, the higher rate threshold and the matching National Insurance limits stay frozen until April 2031. The Plan 2 repayment threshold stays at £29,385 for three years from April 2027. The next Budget is on 28 October 2026 and could change later years.
Sources
- Rates and thresholds for employers 2026 to 2027, HMRC
- Income Tax rates and Personal Allowances, GOV.UK
- Scottish income tax rates and bands 2026 to 2027, Scottish Government
- Scottish Rate Resolution 2026 to 2027 (S6M-20844), agreed 19 February 2026, Scottish Parliament
- Repaying your student loan: what you pay, GOV.UK
- Tax on your private pension contributions, GOV.UK
- Maintaining Income Tax and National Insurance thresholds until 5 April 2031, HMRC
- Budget 2025, HM Treasury