UK Take-Home Pay Calculator 2026/27

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Estimate for 2026/27. Income tax and NI thresholds are frozen; Scotland uses different tax bands. Employer cost excludes the Employment Allowance.

=Take-home pay/ year
£28,720
Gross salary£35,000
Personal allowance£12,570
Income tax£4,486
National Insurance£1,794
Take-home pay£28,720
Employer costGross + employer NI
£39,500.00

Employer NI is 15% above £5,000/yr. Eligible employers can offset up to £10,500 with the Employment Allowance.

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