UK Take-Home Pay Calculator
See your salary after tax in the United Kingdom. Enter your annual salary to get income tax, National Insurance and pension contributions using 2026-27 rates — weekly, fortnightly, monthly and annual.
Tax year
6 April 2026 – 5 April 2027
Gross annual salary
Pension contribution
Salary sacrifice — reduces income tax and National Insurance
Uses England, Wales & Northern Ireland rates. Scottish income tax rates differ.
Annual take-home pay
£28,719.60
Gross
£35,000.00
Total tax
£6,280.40
Pension
£0.00
Where your salary goes
Annual breakdown
- Take-home£28,720
- Income Tax£4,486
- National Insurance£1,794
Your 2026-27 tax summary
Income tax and National Insurance at a glance
Effective tax rate
17.9%
Total deductions as a share of gross salary
- Personal allowance
- £12,570
- Taxable income
- £22,430
- Total deductions
- £6,280
Your income tax band
2026-27 · England, Wales & NI
20%
marginal rate
In band
£12,570 – £50,270
To next band
£15,270 away
How your tax was calculated
| Taxable income | Rate | Tax |
|---|---|---|
| £0 – £22,430You | 20% | £4,486 |
| Total income tax | £4,486 | |
Income tax only — National Insurance is shown separately.
Pay Period Breakdown
Grouped view · click a category to expand or collapse
Show pay period
| Weekly | Fortnightly | Monthly | Annual | ||
|---|---|---|---|---|---|
| Take-home pay | £552.30 | £1,104.60 | £2,393.30 | £28,719.60 | |
| Gross salary | £673.08 | £1,346.15 | £2,916.67 | £35,000.00 | |
| Total tax | -£120.78 | -£241.55 | -£523.37 | -£6,280.40 | |
| Deductions | £120.78 | £241.55 | £523.37 | £6,280.40 | |
| Income Tax | £86.27 | £172.54 | £373.83 | £4,486.00 | |
| National Insurance | £34.51 | £69.02 | £149.53 | £1,794.40 | |
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How UK take-home pay is calculated
Your take-home pay is your gross salary minus income tax, National Insurance and any pension contributions. Income tax is progressive: the first £12,570 you earn is covered by the personal allowance and taxed at 0%, the next slice is taxed at the 20% basic rate, then 40% at the higher rate, and 45% at the additional rate.
National Insurance is calculated separately from income tax on your earnings, not on taxable income. A pension contribution made by salary sacrifice reduces the base for both income tax and National Insurance, which is why it is usually the most tax-efficient way to save. This calculator uses England, Wales and Northern Ireland rates and excludes student loan repayments and tax code adjustments.
2026-27 income tax bands (England, Wales & NI)
| Band | Tax rate |
|---|---|
| Personal allowance — £0 – £12,570 | 0% |
| Basic rate — £12,571 – £50,270 | 20% |
| Higher rate — £50,271 – £125,140 | 40% |
| Additional rate — over £125,140 | 45% |
Above £100,000 the personal allowance is reduced by £1 for every £2 of income, and is gone entirely at £125,140. That taper creates an effective marginal rate of about 60% on income between £100,000 and £125,140.
National Insurance explained
Employees pay Class 1 National Insurance contributions on their earnings. Nothing is due on the first £12,570 (the primary threshold). Earnings between £12,570 and the upper earnings limit of £50,270 are charged at 8%, and everything above £50,270 is charged at 2%. National Insurance is charged on earnings rather than on taxable income, so the personal allowance taper does not affect it.
Pension contributions
This calculator models pension contributions as salary sacrifice: you give up part of your gross salary, so the amount is removed before both income tax and National Insurance are worked out. That means a £5,000 sacrifice saves you income tax at your marginal rate plus the National Insurance you would otherwise have paid on that slice of pay — a bigger saving than a contribution made from net pay.
A note on Scotland
Scottish income tax is set by the Scottish Parliament and uses its own bands and rates, including a starter rate, an intermediate rate and higher top rates than the rest of the UK. This calculator uses England, Wales and Northern Ireland rates, so Scottish taxpayers should treat the income tax figure as indicative only. National Insurance is the same across the whole UK.
Frequently asked questions
How is take-home pay calculated in the UK?
Take-home pay is your gross salary minus income tax, National Insurance, and any pension contributions you make.
What is National Insurance?
Class 1 employee National Insurance is charged at 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270.
What is the personal allowance for 2026-27?
£12,570. It is reduced by £1 for every £2 of income above £100,000 and is fully tapered away at £125,140.
Does this include Scottish income tax?
No — it uses England, Wales and Northern Ireland rates. Scottish income tax has different bands and rates.
Related guides
- National Insurance Explained — employee NI rates, thresholds and how it's calculated
- UK Income Tax Bands & Personal Allowance — the 20/40/45% bands, the £12,570 allowance and the £100k taper
- Pension Salary Sacrifice Explained — how salary sacrifice cuts both income tax and NI
- How to Calculate Your UK Take-Home Pay — the full gross-to-net workflow