Salary Calculator UK
Calculate your take-home pay, Income Tax, National Insurance and net salary in seconds, using the latest HMRC 2026/27 rates.
Your salary breakdown
The statutory deductions from your gross pay, and what is left.
Calculators for every question
One calculation engine, focused on the question you are actually asking.
See what reaches your bank account after every deduction.
Income Tax band by band, with effective and marginal rates.
Class 1 National Insurance on your pay.
Your monthly payslip figure.
Weekly take-home for weekly-paid work.
Hourly pay after tax, from any rate.
Annual salary after tax at every level.
How much is £35,000 after tax in the UK?
On £35,000 in England, Wales or Northern Ireland you take home about £28,720 a year, or £2,393 a month, in 2026/27. You pay no tax on the first £12,570 (your Personal Allowance), 20% Income Tax on the rest, and 8% National Insurance on pay above £12,570.
| Salary | Gross a month | Tax a month | NI a month | Take-home a month | Take-home a year |
|---|---|---|---|---|---|
| £20,000 | £1,667 | -£124 | -£50 | £1,493 | £17,920 |
| £25,000 | £2,083 | -£207 | -£83 | £1,793 | £21,520 |
| £30,000 | £2,500 | -£291 | -£116 | £2,093 | £25,120 |
| £35,000 | £2,917 | -£374 | -£150 | £2,393 | £28,720 |
| £40,000 | £3,333 | -£457 | -£183 | £2,693 | £32,320 |
| £50,000 | £4,167 | -£624 | -£250 | £3,293 | £39,520 |
| £60,000 | £5,000 | -£953 | -£268 | £3,780 | £45,357 |
| £75,000 | £6,250 | -£1,453 | -£293 | £4,505 | £54,057 |
| £100,000 | £8,333 | -£2,286 | -£334 | £5,713 | £68,557 |
Popular salary calculations
Full breakdowns, with unique tax insights for each level.
UK Income Tax and National Insurance rules for 2026/27
The rates and thresholds the calculator applies. Scottish taxpayers use different Income Tax bands.
Income Tax bands
Tax is charged in slices. Only the pay inside each band is taxed at that band's rate.
- Personal Allowance£0 – £12,570 (0%)
- Basic rate£12,571 – £50,270 (20%)
- Higher rate£50,271 – £125,140 (40%)
- Additional rateOver £125,140 (45%)
National Insurance
Class 1 NI is taken from employee pay, separately from Income Tax.
- Primary ThresholdUnder £12,570 (0%)
- Main rate£12,570 – £50,270 (8%)
- Upper rateOver £50,270 (2%)
- Monthly threshold£1,048
Allowance taper
Above £100,000 you lose £1 of allowance for every £2 earned, creating a 60% effective rate.
- Standard code1257L (£12,570)
- Taper starts£100,000
- Allowance fully lost£125,140
- Ways to reduce itPension contributions
What would a pay change do to your take-home?
Compare your salary above with a raise, promotion or job offer. Higher-rate tax, National Insurance and student loan all change how much you keep.
Moving from £35,000 to £45,000 changes your take-home by +£7,200 a year (+£600 a month). You keep 72% of the extra gross pay; the rest goes in Income Tax and National Insurance. Your next pound at the new salary is taxed at a combined 28%.
Your tax and National Insurance, band by band
How your pay is split across Income Tax bands and National Insurance. This updates with the calculator above.
| Band | Rate | Income in band | Tax |
|---|---|---|---|
| Personal Allowance | 0% | £12,570 | £0 |
| Basic rate | 20% | £22,430 | £4,486 |
| Total Income Tax | £4,486 | ||
| Band | Rate | Pay in band | NI |
|---|---|---|---|
| Below Primary Threshold | 0% | £12,570 | £0 |
| Main rate | 8% | £22,430 | £1,794 |
| Above Upper Earnings Limit | 2% | £0 | £0 |
| Total National Insurance | £1,794 | ||
Frequently asked questions
How does the UK salary calculator work?
It applies the 2026/27 HMRC rules to your gross pay: Personal Allowance, Income Tax bands (or the six Scottish bands), employee Class 1 National Insurance, plus any pension, student loan or salary sacrifice you enter. The result is shown per year, month, week, day and hour.
How much tax will I pay on my salary?
Most people have a £12,570 tax-free Personal Allowance. Pay from £12,571 to £50,270 is taxed at 20%, pay up to £125,140 at 40%, and anything above at 45%. Because tax is charged in slices, a pay rise never reduces your take-home pay.
How much is £30,000 after tax?
On £30,000 you pay £3,486 Income Tax and £1,394 National Insurance, leaving £25,120 a year, or £2,093 a month.
How much is £40,000 after tax?
On £40,000 you pay £5,486 Income Tax and £2,194 National Insurance, leaving £32,320 a year, or £2,693 a month.
How much is £50,000 after tax?
On £50,000 you pay £7,486 Income Tax and £2,994 National Insurance, leaving £39,520 a year, or £3,293 a month.
How is National Insurance calculated?
Employee Class 1 NI is charged at 8% on pay between £12,570 and £50,270 a year (£242 to £967 a week), and 2% on pay above that. It is separate from Income Tax and does not depend on your tax code.
Does the calculator include pension and student loan?
Yes. Enter a pension percentage and choose whether it is paid by net pay, salary sacrifice or relief at source, because each affects tax and NI differently. Student loan Plans 1, 2, 4 and 5 and the 6% postgraduate loan are supported.
Does it work for Scottish taxpayers?
Yes. Choose Scotland under "Where do you pay tax?" to use the six Scottish bands (19%, 20%, 21%, 42%, 45% and 48%) for 2026/27. National Insurance is the same across the UK.
Is this salary calculator free?
Yes. It is free, needs no registration and runs entirely in your browser, so the figures you enter are not stored or sent anywhere.
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Disclaimer: This calculator gives estimates for general planning. Your real deductions depend on your tax code, pay period, employer pension scheme, benefits in kind (P11D) and student loan timing. See our methodology.