Take-home pay calculator
Most calculators hand you a number and stop. This one starts there: what you actually keep, and then what it means for the rent, the offer, the raise or the move you are trying to decide about.
That is £28,720 a year after income tax, National Insurance and anything else coming off your pay.
- Income tax
- £4,486
- National Insurance
- £1,794
- Effective rate
- 17.9%
- Marginal rate
- 28.0%
| Year | Month | Week | Hour | |
|---|---|---|---|---|
| Gross pay | £35,000.00 | £2,916.67 | £673.08 | £17.95 |
| Income tax | £-4,486.00 | £-373.83 | £-86.27 | £-2.30 |
| National Insurance | £-1,793.92 | £-149.49 | £-34.50 | £-0.92 |
| Take-home pay | £28,720.08 | £2,393.34 | £552.31 | £14.73 |
Why the number here may not match other calculators
National Insurance is worked out on the statutory period thresholds that real payroll uses — £1,048 a month rather than a twelfth of £12570 — because that is how the deduction actually lands on your payslip. On a £150,000 salary it moves the answer by under a pound a year, but it means the figure here reconciles with your payslip instead of nearly reconciling with it.
Student loan deductions are also worked out per pay period and rounded down to whole pounds, which is what HMRC's rules require and what makes the annual total slightly lumpy. Calculators that apply nine per cent to an annual figure get a tidier number and a slightly wrong one.
What 2026/27 looks like across the UK
| Salary | Income tax | National Insurance | Take-home | A month | Effective rate |
|---|---|---|---|---|---|
| £25,000 | £2,486 | £994 | £21,520 | £1,793 | 13.9% |
| £35,000 | £4,486 | £1,794 | £28,720 | £2,393 | 17.9% |
| £45,000 | £6,486 | £2,594 | £35,920 | £2,993 | 20.2% |
| £55,000 | £9,432 | £3,110 | £42,458 | £3,538 | 22.8% |
| £70,000 | £15,432 | £3,410 | £51,158 | £4,263 | 26.9% |
| £100,000 | £27,432 | £4,010 | £68,558 | £5,713 | 31.4% |
| £125,000 | £42,432 | £4,510 | £78,058 | £6,505 | 37.6% |
The same £50,000 salary leaves a Scottish taxpayer £1,496 a year less than someone in England, Wales or Northern Ireland, because Scotland's higher rate starts at £43,663 rather than £50,270 and runs at 42% rather than 40%. Below roughly £33,000 the position reverses and Scotland is slightly cheaper. The full Scotland and England comparison walks through the whole range.
Three numbers that decide more than your salary does
Your marginal rate is the share of your next pound that never reaches you. It is the number that answers whether a raise, a bonus, some overtime or a second job is worth having, and for a lot of people it is nowhere near the headline rate. Between £100,000 and £125,140 it is 62%; add a student loan and it is 71%. The 60% trap page shows where the cliffs are.
Your adjusted net income decides whether the Personal Allowance taper and the High Income Child Benefit Charge apply to you. It is not your salary and not your taxable pay, and a pension contribution moves it. The adjusted net income guide explains what it is and why it matters more than either.
Your effective rate is what you actually paid across the whole year. It is the reassuring number, and it is almost never the one that should drive a decision.
Start from what you are trying to work out
- A raise you have been offeredWhat it adds monthly, and whether it crosses a threshold that eats most of it.
- Whether to sacrifice salaryWhat you give up now, and the four things it quietly changes.
- NHS payEvery band and pay point with the pension tier applied from your real pay.
- Teacher payAll four pay areas, TLR, SEN and the pension tier, worked properly.
Questions people actually ask
Is this calculator accurate?
It implements the published HMRC rules rather than approximating them: the 2026/27 income tax bands, the Personal Allowance taper above £100,000, National Insurance on the statutory period thresholds, all five student loan plans, and the three different ways a pension contribution can be taken. Every figure is checked by an automated test suite before the site is built, and where a figure is not yet confirmed we say so on the page rather than filling the gap.
Does anything I type get sent anywhere?
No. The calculation runs inside your browser using JavaScript that ships with the page. There is no form submission, no analytics on what you enter, no account and no email capture. You can disconnect from the internet after the page loads and it will still work.
Why is my payslip different?
The nine usual reasons, in rough order of likelihood: an emergency or Week 1 / Month 1 code, a mid-year pay change that cumulative PAYE is still catching up on, a bonus month, a benefit in kind being payrolled, salary sacrifice you had forgotten about, a student loan plan you were not expecting, a pension taken by relief at source rather than net pay, back pay, or a genuine coding error. The payslip guide works through each one.
Which tax years does it cover?
2026/27 is the default. You can also switch to 2025/26 and 2024/25. Note that Plan 5 student loans did not exist in payroll before 6 April 2026, so selecting an earlier year correctly shows no Plan 5 deduction — a calculator that shows you one has invented it.
Figures on this page are for the 2026/27 tax year (6 April 2026 to 5 April 2027) and were last checked on 29 August 2026. Every rate we use is listed on the sources page.