# UK Take-Home Pay Calculator 2026/27 | UK Money Calcs

Source: https://calcs.andreiturcea.com/take-home-pay.html
Last updated: 2026-10-15 · Last checked against GOV.UK: 2026-10-15


**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: 15 October 2026 · Last checked against GOV.UK: 15 October 2026 · [Markdown version](https://calcs.andreiturcea.com/take-home-pay.html.md)

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

**Keeping your own records?** The UK Sole Trader Kit is a £9 spreadsheet for Google Sheets and Excel: an income log, expenses mapped to SA103 boxes, a live 2026/27 tax and Class 4 NI estimate, and an invoice template. [See what is inside](https://kit.andreiturcea.com/) · [Get the kit (£9)](https://turceapaul.gumroad.com/l/bmykeg)

## 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](https://www.gov.uk/income-tax-rates) · [GOV.UK NI rates](https://www.gov.uk/national-insurance-rates-letters) · [GOV.UK student loan thresholds](https://www.gov.uk/repaying-your-student-loan/what-you-pay). Related: [self-employed tax](https://calcs.andreiturcea.com/self-employed-tax-calculator.html) · [dividend tax](https://calcs.andreiturcea.com/dividend-tax-calculator.html) · [student loan](https://calcs.andreiturcea.com/student-loan-repayment-calculator.html) · [2026/27 rates](https://calcs.andreiturcea.com/income-tax-bands-2026-27.html)

**Want this in a spreadsheet?** If you would rather not build your own tracker, the UK Sole Trader Kit (£9, Google Sheets and Excel) logs income, maps expenses to SA103 boxes, estimates your 2026/27 Income Tax and Class 4 NI, reminds you about payments on account and includes an invoice template. It is a template, not advice, and the free guides here stay free. [See what is inside](https://kit.andreiturcea.com/) · [Get the kit (£9)](https://turceapaul.gumroad.com/l/bmykeg)

## 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?

| Item | 2026/27 (England, Wales, NI) |
|---|---|
| Personal Allowance | £12,570 (tapered above £100,000) |
| Basic rate | 20% on £12,571–£50,270 |
| Higher rate | 40% on £50,271–£125,140 |
| Additional rate | 45% over £125,140 |
| Employee NI (category A) | 8% on £12,570–£50,270 a year; 2% above |

## What are some worked examples?

| Gross salary | Income Tax | Employee NI | Take-home a year | Take-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/income-tax-rates) · [https://www.gov.uk/national-insurance-rates-letters](https://www.gov.uk/national-insurance-rates-letters) · [https://www.gov.uk/repaying-your-student-loan/what-you-pay](https://www.gov.uk/repaying-your-student-loan/what-you-pay)

Machine-readable rates: [api/rates-2026-27.json](https://calcs.andreiturcea.com/api/rates-2026-27.json).

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Disclaimer: estimates for information only, not financial, tax or legal advice.