See exactly what lands in your account after Income Tax and National Insurance — yearly, monthly or weekly. England, Wales, NI or Scotland. No sign-up.
⚖︎ Results are for informational purposes and do not constitute tax advice. For specific situations, consult a licensed accountant or the relevant tax authority.
iHow it is calculated
From your gross salary two things are taken: Income Tax and National Insurance. Income tax is charged on income above the Personal Allowance (£12,570) — 20% to £50,270, 40% to £125,140, 45% above. National Insurance is 8% between £12,570 and £50,270, then 2%. Above £100,000 the Personal Allowance tapers away (£1 lost per £2), creating an effective ~60% band up to £125,140. Optional student loan and pension deductions can also apply.
take-home = gross − Income Tax − National Insurance − student loan − pension
On a £35,000 salary (2026/27, England): Personal Allowance £12,570, so £22,430 is taxable → income tax £4,486. National Insurance = 8% × £22,430 = £1,794. Take-home ≈ £28,720/year — about £2,393/month. The employer also pays 15% NI above £5,000 = £4,500, so the total cost of employment is £39,500.
?Frequently asked questions
How is take-home pay calculated in 2026/27?
Income Tax and National Insurance are deducted from your gross salary. Income tax is 20% above the £12,570 Personal Allowance (up to £50,270), then 40%; NI is 8% between £12,570 and £50,270, then 2%. On £35,000 that leaves about £28,720 a year, or £2,393 a month.
What are the UK income tax rates for 2026/27?
In England, Wales and Northern Ireland: 0% on the first £12,570 (Personal Allowance), 20% from £12,571 to £50,270, 40% from £50,271 to £125,140, and 45% above £125,140. These thresholds are frozen through 2030/31.
How much is National Insurance?
Employee Class 1 NI is 8% on earnings between £12,570 and £50,270, and 2% on everything above £50,270. On a £50,000 salary that is about £2,994 a year.
What is the Personal Allowance and the £100k trap?
The Personal Allowance (£12,570) is tax-free income. Above £100,000 it is reduced by £1 for every £2 you earn, disappearing at £125,140. That makes income between £100,000 and £125,140 effectively taxed at about 60%.
How do the Scotland tax rates differ?
Scottish taxpayers pay 19/20/21/42/45/48% across six bands (starter to top rate) instead of 20/40/45%. NI and the Personal Allowance are the same UK-wide. Switch the Region to Scotland to compare — on £50,000 the Scottish income tax is higher (about £8,982 vs £7,486).
How do I work out gross from a target take-home?
Choose the "Net" mode and enter the annual take-home you want; the calculator finds the matching gross salary and the employer cost.
What does it cost my employer to hire me?
On top of your gross salary the employer pays 15% National Insurance on earnings above £5,000 a year (2026/27), plus any pension. For a £35,000 salary that is £4,500, so the total cost of employment is £39,500. Eligible employers can offset up to £10,500 with the Employment Allowance.
How do student loan repayments work?
You repay 9% of income above your plan threshold: Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000 (2026/27). A postgraduate loan adds 6% above £21,000 and stacks on top. On £40,000 with Plan 2 that is about £955 a year.
What about pension contributions?
Under auto-enrolment the minimum is 5% employee and 3% employer on qualifying earnings (£6,240–£50,270). Tick the pension box to include the 5% employee deduction. If your scheme uses salary sacrifice, it also cuts your tax and NI — that differs from this estimate.
What is the minimum wage in 2026?
From 1 April 2026 the National Living Wage (21+) is £12.71 an hour; 18–20 is £10.85; under 18 and apprentices £8.00. At £12.71 for 37.5 hours a week that is roughly £24,785 a year gross.
Is my monthly payslip exactly one-twelfth of this?
Almost. This tool annualises then divides by 12. Real PAYE is cumulative per period, so a single mid-year payslip can differ by a small amount, especially after a pay change — the annual totals match.
Are bonuses taxed more heavily?
No, but a bonus can push part of your pay into a higher band or the £100k taper in that period, so more is withheld that month. Over the year it is taxed at your normal marginal rates.
€Net salary for common amounts
See the full breakdown for the most searched salaries: