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Take Home Tax
Updated for 2026/27

UK Take-Home Pay Calculator

See exactly what you take home after tax. Enter your salary and get your net pay for 2026/27 — broken down by Income Tax, National Insurance, student loan and pension.

£

Per year, before tax. The result updates as you type.

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Student loan plan

Your take-home pay

per year

£28,720

£28,720 per year · £2,393 per month

Gross salary
£35,000.00
Income Tax
−£4,486.00
National Insurance
−£1,794.40
Take-home pay
£28,719.60

Effective rate

17.9%

Marginal rate

28.0%

Estimate only — not financial or tax advice. Based on standard 2026/27 rates.

Take home per year £28,720
Tax year 2026/27 Last updated 6 April 2026

Our figures use the standard 2026/27 Income Tax, National Insurance and student loan rates published by HMRC and the devolved administrations. See our methodology for exactly how each deduction is worked out, or check the official sources:

How the take-home pay calculator works

Enter your gross annual salary — the figure before anything is deducted — and the calculator instantly works out your net (take-home) pay. It applies the 2026/27 tax rules in the same order your payroll does:

  • Income Tax — after your £12,570 tax-free Personal Allowance, at 20%, 40% and 45% (or Scotland's six bands).
  • National Insurance — 8% then 2% on earnings above the thresholds.
  • Student Loan — 9% (or 6% for Postgraduate) on income above your plan's threshold.
  • Pension — your contribution, with salary sacrifice reducing both tax and NI.

Toggle between yearly, monthly, weekly and hourly to see your pay however you think about it, and switch nation for England, Scotland, Wales or Northern Ireland. Everything runs in your browser — nothing you type is sent anywhere.

Why your payslip might differ slightly

National Insurance is charged per pay period rather than annually, and your employer uses your exact tax code. Bonuses, benefits in kind, or a mid-year pay change can also shift the numbers. This tool gives an accurate annual estimate; always check your payslip for the precise figure.

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Frequently asked questions

What is take-home pay?
Take-home pay (also called net pay) is what actually lands in your bank account after Income Tax, National Insurance and any other deductions such as student loan repayments and pension contributions are taken off your gross salary.
How much tax will I pay on my salary in 2026/27?
For 2026/27 you pay no Income Tax on the first £12,570 (your Personal Allowance), 20% on earnings up to £50,270, 40% up to £125,140 and 45% above that. Scotland has its own bands. Enter your salary above to see the exact figures for your situation.
Is National Insurance included?
Yes. Employee (Class 1) National Insurance is 8% on earnings between £12,570 and £50,270, then 2% above that. National Insurance stops once you reach State Pension age — tick that box under Advanced options.
Does the calculator handle student loans and pensions?
It does. Choose your student loan plan (1, 2, 4, 5 or Postgraduate) and add a pension percentage — including salary sacrifice, which saves both tax and National Insurance — under Advanced options.
Is this calculator accurate?
It uses the standard 2026/27 rates and thresholds published by HMRC. It is an estimate to guide you, not a payslip — your employer may apply a different tax code or additional deductions. See our methodology.