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UK Salary & Take-Home Pay Calculator

Enter your salary or hourly wage to see your take-home pay after Income Tax, National Insurance, pension and student loan, for England, Scotland, Wales and Northern Ireland.

£
More options· Pension, student loan
%

% of your salary

No National Insurance

Take-home per month

£2,393.31

Paid monthly · 2026/27 tax year

Per week
£552
Per year
£28,720
How your pay is split
  • Take-home82%
  • Income Tax13%
  • National Insurance5%

Average tax rate 17.9% · Marginal 28.0%

What this means

Of every extra £100 you earn, you’d take home about £72. The other 28% is your marginal rate: the rate on a raise, a bonus or overtime.

Across all your pay, only 18% goes to tax and deductions, because the first part of your income is taxed at lower rates. A raise never lowers your take-home pay overall.

Next step

Breakdown

Per monthPer year
Gross pay£2,916.67£35,000.00
Income Tax-£373.83-£4,486.00
National Insurance-£149.53-£1,794.40
Take-home pay£2,393.31£28,719.60

Where your pay goes

Gross pay £2,917

Where your gross pay goes
  • Take-home£2,393
  • Income Tax£374
  • National Insurance£150

Take-home £2,393, as a 50/30/20 budget

A 50/30/20 budget of your take-home pay
  • Needs£1,197
  • Wants£718
  • Savings£479

Amounts a month. The 50/30/20 guide puts half your take-home pay towards needs, 30% towards wants and 20% towards savings and paying off debt.

Plan your budget with your take-home pay
Assumptions in this estimate
  • Assumes the standard 1257L tax code and a full year in the same job.
  • National Insurance is worked out for each pay period; this estimate works it out for the year, which can differ by a few pounds.
  • Pension contributions are a percentage of your full salary; some workplace schemes use qualifying earnings (£6,240 to £50,270) instead.
  • Marriage Allowance, Blind Person’s Allowance and the High Income Child Benefit Charge are not included.
  • You can choose one undergraduate student loan plan (plus a postgraduate loan). With more than one plan, you repay 9% of earnings above the lowest threshold.
  • Above £100,000 the figures are your yearly tax bill with the Personal Allowance reduced; on a 1257L code your payslips may take less until HMRC updates your code.
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How your take-home pay is calculated

Your take-home pay is your salary minus these deductions:

  1. Pension contributions. With salary sacrifice they come off before tax and National Insurance; with a net pay arrangement, before tax only; with relief at source, after tax, with your pension provider adding 20% basic-rate relief.
  2. Income Tax, after your Personal Allowance, using the rates for where you live. Scotland sets its own rates; England, Wales and Northern Ireland use the same ones.
  3. National Insurance at 8% between £12,570 and £50,270, and 2% above.
  4. Student loan repayments if you have a loan: 9% (or 6% for a postgraduate loan) of earnings above your plan’s threshold.

Scottish taxpayers

If you live in Scotland you pay Scottish income tax: starter (19%), basic (20%), intermediate (21%), higher (42%), advanced (45%) and top (48%) rates. On salaries under about £33,500 you pay slightly less income tax than in England; above that you pay more. National Insurance is the same everywhere in the UK.

The Autumn Budget

The Autumn Budget on 28 October 2026 didn’t change Income Tax or National Insurance: the rates and thresholds are the same in 2027/28 and stay frozen until April 2031. Tax on savings interest outside an ISA does rise from April 2027. See what changes for you with our Autumn Budget calculator and our guide to what the Budget means for your money.

About these estimates

The calculator works out your tax for the full tax year and spreads it evenly across your pay, assuming the standard 1257L tax code. Your payslip can differ by a few pounds, because National Insurance is worked out each pay period. See our methodology and sources for every assumption and the HMRC sources we use.

Last updated

Frequently asked questions

How much tax do I pay in the UK in 2026/27?

Most people get a £12,570 tax-free Personal Allowance. In England, Wales and Northern Ireland you pay 20% on the next £37,700, 40% up to £125,140 and 45% above that. Scotland has six bands from 19% to 48%. The Personal Allowance shrinks by £1 for every £2 of income over £100,000.

How much National Insurance do employees pay?

In 2026/27 employees pay 8% National Insurance on earnings between £12,570 and £50,270 a year, and 2% on earnings above £50,270. You stop paying once you reach State Pension age.

How much is £30,000 after tax?

In England, Wales and Northern Ireland, a £30,000 salary takes home about £25,120 a year (£2,093 a month) in 2026/27, after £3,486 Income Tax and £1,394 National Insurance, with no pension or student loan.

When do I start repaying my student loan?

You repay 9% of your earnings above your plan's threshold. In 2026/27 the thresholds are £26,900 for Plan 1, £29,385 for Plan 2, £33,795 for Plan 4 (Scotland) and £25,000 for Plan 5. Postgraduate loans are repaid at 6% above £21,000.

Does salary sacrifice increase my take-home pay?

Salary sacrifice lowers your salary, so it lowers your take-home pay, but by less than the amount you put in. Because both Income Tax and National Insurance are saved, every £100 you sacrifice costs a basic-rate taxpayer about £72 of take-home pay.

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