Take-home pay calculator
Enter your gross salary and the calculator shows what lands in your bank account each month after income tax, National Insurance and any student loan or pension deductions.
Take-home pay a month, 2026/27
£2,993.30
£35,920 a year after tax, National Insurance. Effective deductions 20.2%.
- Gross pay a month
- £3,750.00
- Personal allowance
- £1,047.50
- Basic rate at 20%on £2,703
- £541
- Income tax
- − £540.50
- National Insurance at 8% and 2%
- − £216.20
- Take-home a month
- £2,993.30
Assumes a standard 1257L tax code, England, Wales or Northern Ireland rates, and no benefits in kind. Pension is treated as a net pay arrangement.
Figures used, 2026/27
- Personal allowance £12,570 (tax code 1257L), tapered above £100,000
- Income tax 20%, 40% and 45%
- Employee NI 8% from £12,570 to £50,270, 2% above
- Student loan 9% above Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000; postgraduate 6% above £21,000
- Pension as a net pay arrangement; no benefits in kind or other income
England, Wales and Northern Ireland. Rates reviewed . An estimate, not advice: your own position may differ.
How the calculator works
Income tax is charged on your salary after the 12,570 pound personal allowance: 20% up to 50,270 pounds of total income, 40% up to 125,140 pounds and 45% above. Above 100,000 pounds the allowance is withdrawn at 1 pound for every 2 pounds earned, which creates an effective 60% rate on that slice of income.
Employee National Insurance is 8% on earnings between 12,570 and 50,270 pounds and 2% above that. It is worked out on each pay period rather than the year, but for a steady salary the annual figure is the same.
Student loan repayments are 9% of earnings above the threshold for your plan (6% for postgraduate loans). The threshold depends on when and where you studied: Plan 1 for older loans, Plan 2 for English and Welsh loans from 2012, Plan 4 for Scottish loans and Plan 5 for English loans from August 2023.
Pension contributions are shown as a net pay arrangement, where the contribution is deducted before tax is calculated, which is how most workplace schemes operate. Under a relief at source scheme the mechanics differ but the net effect for a basic rate taxpayer is the same.
The calculator assumes a standard 1257L tax code. If your code is different, for example because of a company car, underpaid tax from an earlier year or a second job, your actual deductions will differ. Our guide to tax codes explains what the letters and numbers mean.
Frequently asked questions
About 6,486 pounds of income tax and 2,594 pounds of National Insurance, leaving roughly 35,920 pounds a year or 2,993 pounds a month before any student loan or pension deductions. Enter your own figure above for an exact calculation.
Usually because your tax code is not 1257L. A benefit in kind, an underpayment being collected, or a second job can all change it. Pension contributions, salary sacrifice and student loans also reduce take-home. Check your payslip against your tax code and ask HMRC or your accountant if it looks wrong.
National Insurance and student loan figures are UK-wide, but Scottish income tax has different bands and rates (starter, basic, intermediate, higher, advanced and top). This calculator uses the rates for England, Wales and Northern Ireland.
Between 100,000 and 125,140 pounds of income the personal allowance is withdrawn at 1 pound for every 2 pounds earned. Combined with 40% tax, each extra pound in that band is effectively taxed at 60% plus 2% National Insurance. Pension contributions are the usual way to avoid it.
Only for the salary element. Directors who also take dividends should use the salary vs dividend calculator, which models both the company's tax and your personal tax together.
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