Free · tax year 2026/27 · nothing leaves your browser
Take-home pay calculator
What your salary actually pays after income tax, National Insurance, student loan and pension, updated for the 2026/27 tax year, including Scottish rates.
Tax year 2026/27. Pension is modelled as a net pay arrangement (reduces income tax, not National Insurance).
Your take-home pay
£2,393 / month
£28,720 a year · £552 a week
- Gross salary£35,000
- Income tax−£4,486
- National Insurance−£1,794
- Take-home£28,720
18% of your salary goes on deductions. Of every extra £100 you earn at this level, you keep £72.00.
Common questions
- How is take-home pay calculated?
- Your gross salary is reduced by income tax, employee National Insurance, any student loan repayment, and your own pension contributions. Income tax for 2026/27 applies above the personal allowance of £12,570, which tapers away £1 for every £2 you earn over £100,000.
- Does the calculator handle Scottish income tax?
- Yes. Tick the Scottish income tax box and the calculation switches to Scotland's bands and rates, which differ from the rest of the UK. National Insurance and student loans are the same UK-wide.
- How is my pension treated?
- Contributions are modelled as a net pay arrangement: they come out of your salary before income tax is worked out, so you get tax relief automatically, but they do not reduce National Insurance. Salary sacrifice schemes also save NI, so they leave you slightly better off than shown here.
- Is this exact?
- It is accurate for a standard tax code (1257L) with one employment. Benefits in kind, other income, marriage allowance, or a non-standard tax code will change the picture. It is guidance, not regulated financial advice.
Wondering what to do with the difference? Take the Money Health Check for a ranked plan.