UK Take-Home Pay Calculator
Enter your salary to see your take-home pay after income tax, National Insurance and pension for 2026/27.
United KingdomQuick answer
On a £35,000 salary with no pension in 2026/27, you take home £28,720 a year — £2,393 a month — after £4,486 income tax and £1,794 National Insurance. The personal allowance is £12,570, basic-rate tax is 20% up to £50,270, and employee NI is 8% between £12,570 and £50,270.
Auto-enrolment minimum is 5%.
Monthly take-home pay
£2,277
- Yearly take-home
- £27,320
- Weekly take-home
- £525
- Income tax (yearly)
- £4,136
- National Insurance (yearly)
- £1,794
- Pension (yearly)
- £1,750
- Personal allowance
- £12,570
- Tax + NI as share of salary
- 16.9%
2026/27 rates for England, Wales and Northern Ireland. Excludes student loan repayments.
Take-home pay by salary, 2026/27 (no pension)
| Salary | Income tax | National Insurance | Yearly take-home | Monthly take-home |
|---|---|---|---|---|
| £20,000 | £1,486 | £594 | £17,920 | £1,493 |
| £25,000 | £2,486 | £994 | £21,520 | £1,793 |
| £30,000 | £3,486 | £1,394 | £25,120 | £2,093 |
| £35,000 | £4,486 | £1,794 | £28,720 | £2,393 |
| £40,000 | £5,486 | £2,194 | £32,320 | £2,693 |
| £50,000 | £7,486 | £2,994 | £39,520 | £3,293 |
| £60,000 | £11,432 | £3,211 | £45,357 | £3,780 |
| £75,000 | £17,432 | £3,511 | £54,057 | £4,505 |
| £100,000 | £27,432 | £4,011 | £68,557 | £5,713 |
| £150,000 | £53,703 | £5,011 | £91,286 | £7,607 |
How it works
For 2026/27 in England, Wales and Northern Ireland, the first £12,570 of income is tax-free (the personal allowance). Income from £12,571 to £50,270 is taxed at the basic rate of 20%, from £50,271 to £125,140 at the higher rate of 40%, and above £125,140 at the additional rate of 45%. These thresholds are frozen until April 2031, so more people move into higher bands as wages rise.
Above £100,000 the personal allowance is withdrawn — £1 for every £2 of income — until it disappears at £125,140. That creates an effective 60% tax rate on income between £100,000 and £125,140, which is why many higher earners pay extra into their pension to bring their income back below £100,000.
Employees also pay Class 1 National Insurance: 8% on earnings between £12,570 and £50,270 a year, and 2% on everything above. The calculator treats your pension as a net pay arrangement — it is taken off before income tax, but National Insurance is still charged on your full salary. Scotland has different income tax bands; National Insurance is the same across the UK.
Frequently asked questions
How much is £30,000 after tax?
About £25,120 a year, or £2,093 a month, with no pension contributions in 2026/27.
What is the tax-free personal allowance for 2026/27?
£12,570. It is reduced by £1 for every £2 of income over £100,000, and is zero once income reaches £125,140.
Does this include student loan repayments?
No. If you have a student loan, repayments are 9% of income above your plan's threshold (6% for postgraduate loans), deducted on top of tax and NI.
Is this accurate for Scotland?
National Insurance is the same, but Scotland has six income tax bands with different rates, so a Scottish taxpayer's income tax will differ from this estimate.