UK Money Calcs

UK take-home pay calculator 2026/27

Short answer: On a £35,000 salary in 2026/27 (England, Wales, NI, no pension or student loan) you take home about £28,720 a year (£2,393 a month) after £4,486 Income Tax and £1,794 National Insurance. Tax is 20% from £12,570 to £50,270, 40% to £125,140 and 45% above; employee NI is 8% then 2%.

Last updated: · Last checked against GOV.UK: · Markdown version

General information, not tax or financial advice. Check GOV.UK or speak to a qualified adviser about your own situation.

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How is it calculated?

Personal allowance £12,570 (tapered by £1 per £2 above £100,000). Basic rate 20% to £50,270, higher 40% to £125,140, additional 45% above. Employee Class 1 NI: 8% between £12,570 and £50,270, 2% above. Thresholds are frozen until April 2031. Scotland uses different income tax bands, which this version does not cover yet.

Sources: GOV.UK Income Tax rates · GOV.UK NI rates · GOV.UK student loan thresholds. Related: self-employed tax · dividend tax · student loan · 2026/27 rates

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What is the formula, in plain text?

Take-home = gross salary − pension (salary sacrifice) − Income Tax − employee National Insurance − student loan. Income Tax = 20% of income from £12,570 to £50,270 + 40% from £50,270 to £125,140 + 45% above (the £12,570 Personal Allowance falls by £1 for every £2 over £100,000). Employee NI = 8% of earnings from £12,570 to £50,270 + 2% above. Student loan = 9% (6% Postgraduate) of income above the plan threshold.

What rates and thresholds apply?

Item2026/27 (England, Wales, NI)
Personal Allowance£12,570 (tapered above £100,000)
Basic rate20% on £12,571–£50,270
Higher rate40% on £50,271–£125,140
Additional rate45% over £125,140
Employee NI (category A)8% on £12,570–£50,270 a year; 2% above

What are some worked examples?

Gross salaryIncome TaxEmployee NITake-home a yearTake-home a month
£20,000£1,486£594£17,920£1,493
£35,000£4,486£1,794£28,720£2,393
£50,000£7,486£2,994£39,520£3,293
£60,000£11,432£3,211£45,357£3,780
£100,000£27,432£4,011£68,557£5,713

Examples assume no pension, no student loan, tax code 1257L and an even annual salary. NI is worked out on annual thresholds (£12,570 / £50,270); payroll uses weekly or monthly thresholds (£242 / £967 a week), so real payslips can differ by a few pounds. Scotland is not covered.

GOV.UK sources (checked 15 October 2026): https://www.gov.uk/income-tax-rates · https://www.gov.uk/national-insurance-rates-letters · https://www.gov.uk/repaying-your-student-loan/what-you-pay

Machine-readable rates: api/rates-2026-27.json.