UK salary calculator
Updated Updated for 2026 tax law
Enter your salary to see your 2026/27 take-home pay after Income Tax, National Insurance, student loan and pension — per year, month, four weeks, week, day and hour. It covers England, Wales, Northern Ireland and Scotland, tax codes, Marriage Allowance and salary sacrifice.
- Gross pay
- £35,000.00
- Tax-free allowance
- £12,570
- Taxable income
- £22,430
- Income Tax
- −£4,486.00
- National Insurance
- −£1,794.40
- Take-home pay
- £28,719.60
- Take-home pay£28,720 · 82.1%
- Income Tax£4,486 · 12.8%
- National Insurance£1,794 · 5.1%
| Band | Rate | Income in band | Tax |
|---|---|---|---|
| Tax-free allowance | 0% | £12,570 | £0.00 |
| Basic rate | 20% | £22,430 | £4,486.00 |
| Per | Gross | Income Tax | NI | Take-home |
|---|---|---|---|---|
| Year | £35,000 | £4,486 | £1,794 | £28,720 |
| Month | £2,916.67 | £373.83 | £149.53 | £2,393.30 |
| 4 weeks | £2,692.31 | £345.08 | £138.03 | £2,209.20 |
| Week | £673.08 | £86.27 | £34.51 | £552.30 |
| Day | £134.62 | £17.25 | £6.90 | £110.46 |
| Hour | £17.95 | £2.30 | £0.92 | £14.73 |
In Scotland you would take home £15 a year less (£1.26 a month) on the same pay.
2026/27 tax year (6 April 2026 to 5 April 2027). Annual figures; payslips apply thresholds per pay period, so they can differ by a few pounds.
How to use the UK salary calculator
- Enter your gross pay and how often you’re paid — a yearly salary, monthly pay, or an hourly or daily rate with your usual hours.
- Choose where you live. Scottish taxpayers pay different Income Tax rates; everything else is UK-wide.
- If you pay into a workplace pension, pick how it’s taken (relief at source, net pay or salary sacrifice) and the percentage.
- Add your student loan plan and, if you have one, a Postgraduate Loan.
- Optionally type in the tax code from your payslip, or turn on Marriage Allowance or Blind Person’s Allowance.
- Switch the results between per year, month and week, and use the table for four-weekly, daily and hourly figures.
How take-home pay is worked out
Income Tax = (pay − net-pay pension − tax-free allowance) taxed band by band
NI = 8% × (pay − £12,570, up to £50,270) + 2% × (pay above £50,270)
Worked example — £35,000 in England: the first £12,570 is tax-free, leaving £22,430 taxed at 20% = £4,486. National Insurance is 8% of £22,430 = £1,794.40. Take-home pay is £28,719.60 a year, or £2,393.30 a month.
Add a 5% relief-at-source pension and a Plan 2 student loan and the same salary takes home £26,814.25 (£2,234.52 a month): you pay £1,400 into the pension and your provider claims another £350 from HMRC, and the student loan takes 9% of the £5,615 above the £29,385 threshold (£505.35).
Income Tax rates 2026/27
| Band | Gross income | Rate |
|---|---|---|
| Personal Allowance | £0 to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
| Band | Gross income | Rate |
|---|---|---|
| Personal Allowance | £0 to £12,570 | 0% |
| Starter rate | £12,571 to £16,537 | 19% |
| Basic rate | £16,538 to £29,526 | 20% |
| Intermediate rate | £29,527 to £43,662 | 21% |
| Higher rate | £43,663 to £75,000 | 42% |
| Advanced rate | £75,001 to £125,140 | 45% |
| Top rate | Over £125,140 | 48% |
National Insurance and student loans
| Threshold | Week | Month | Year |
|---|---|---|---|
| Lower earnings limit (LEL) | £129 | £559 | £6,708 |
| Primary threshold (employee NI starts) | £242 | £1,048 | £12,570 |
| Secondary threshold (employer NI starts) | £96 | £417 | £5,000 |
| Upper earnings limit (UEL) | £967 | £4,189 | £50,270 |
| Plan | Year | Month | Week | Rate | Who |
|---|---|---|---|---|---|
| Plan 1 | £26,900 | £2,241.67 | £517.31 | 9% | England/Wales courses before Sept 2012; Northern Ireland |
| Plan 2 | £29,385 | £2,448.75 | £565.10 | 9% | England courses Sept 2012 – July 2023; Wales from Sept 2012 |
| Plan 4 | £33,795 | £2,816.25 | £649.90 | 9% | Scotland |
| Plan 5 | £25,000 | £2,083.33 | £480.77 | 9% | England courses from 1 Aug 2023 |
| Postgraduate Loan | £21,000 | £1,750 | £403.85 | 6% | Master’s or doctoral loan (England/Wales) |
Things that catch people out
- The £100,000 trap. Between £100,000 and £125,140 you lose £1 of Personal Allowance for every £2 earned, so the marginal rate is 60% plus 2% NI (62%) in England — 69.5% in Scotland. Pension contributions bring your income back below £100,000 and recover the allowance.
- Emergency tax codes. A new job without a P45 often starts on 1257L W1/M1 or 0T. The year-end figure here is what you should end up paying; any overpayment comes back through payroll or HMRC.
- Pension method matters. With relief at source you pay 80% and the provider adds 20%; higher-rate payers must claim the rest. Net pay schemes give full relief straight away. Salary sacrifice also saves NI.
- NI isn’t cumulative. It’s worked out each pay period, so a big bonus month can pay 2% NI on part of it even if your yearly pay is under £50,270.
The typical full-time UK salary is about £39,000; that takes home £31,600 a year (£2,633 a month) in England in 2026/27.
Take-home pay by salary
- £15,000£1,193 a month
- £16,000£1,253 a month
- £17,000£1,313 a month
- £18,000£1,373 a month
- £19,000£1,433 a month
- £20,000£1,493 a month
- £21,000£1,553 a month
- £22,000£1,613 a month
- £23,000£1,673 a month
- £24,000£1,733 a month
- £25,000£1,793 a month
- £26,000£1,853 a month
- £27,000£1,913 a month
- £28,000£1,973 a month
- £29,000£2,033 a month
- £30,000£2,093 a month
- £32,000£2,213 a month
- £35,000£2,393 a month
- £38,000£2,573 a month
- £40,000£2,693 a month
- £42,000£2,813 a month
- £45,000£2,993 a month
- £48,000£3,173 a month
- £50,000£3,293 a month
- £55,000£3,538 a month
- £60,000£3,780 a month
- £65,000£4,021 a month
- £70,000£4,263 a month
- £75,000£4,505 a month
- £80,000£4,746 a month
- £85,000£4,988 a month
- £90,000£5,230 a month
- £95,000£5,471 a month
- £100,000£5,713 a month
- £110,000£6,030 a month
- £120,000£6,346 a month
- £125,000£6,505 a month
- £130,000£6,724 a month
- £140,000£7,166 a month
- £150,000£7,607 a month
Related tools
- Scotland salary calculator
- Income Tax calculator
- National Insurance calculator
- Student loan repayment calculator
- Salary sacrifice calculator
- Hourly to annual salary
Sources
Every rate and threshold on this page is for the 2026/27 tax year (6 April 2026 to 5 April 2027) and was checked against these official pages on 18 October 2026:
- Rates and thresholds for employers 2026 to 2027 (HMRC)
- Income Tax rates and allowances for current and previous tax years (HMRC)
- Scottish Income Tax: rates and bands 2026 to 2027 (Scottish Government)
- Income Tax in Scotland (GOV.UK)
- Marriage Allowance (GOV.UK)
- Repaying your student loan: what you pay (GOV.UK)
- When your student loan gets written off or cancelled (GOV.UK)
- Tax codes (GOV.UK)
- Annual allowance (GOV.UK)
- Changes to salary sacrifice for pensions from April 2029 (HM Treasury/HMRC)
Disclaimer: Estimates for information only — not tax or financial advice. Results are annual figures for a single employment paid evenly through the year. Payroll applies thresholds per pay period and rounds some deductions, so your payslip can differ by a few pounds. Check your tax code and personal tax account on GOV.UK.
Frequently asked questions
How much is £35,000 after tax in the UK?
In England, Wales or Northern Ireland a £35,000 salary leaves £28,720 a year in 2026/27 — £2,393.30 a month — after £4,486 Income Tax and £1,794.40 National Insurance, with no pension or student loan.
What is the Personal Allowance for 2026/27?
£12,570, the same as the last few years. It shrinks by £1 for every £2 of income over £100,000 and disappears completely at £125,140.
What National Insurance do employees pay in 2026/27?
8% on earnings between £12,570 and £50,270 a year (£1,048 to £4,189 a month) and 2% on everything above. Employers pay 15% above £5,000.
Why is my payslip slightly different?
Payroll applies thresholds to each pay period (e.g. £1,048 a month for NI rather than £12,570 ÷ 12) and rounds student loan deductions down to whole pounds. Over a year this is usually a few pounds. Big differences normally mean an emergency or wrong tax code, a taxable benefit, or a bonus month.
Does this work for Scotland?
Yes — choose Scotland and the calculator uses the six Scottish bands (19% to 48%). National Insurance and student loans are the same across the UK.
Your business here? Sponsor this calculator from $19/week. See placements
Estimates for information only — not tax, legal or financial advice.