Real Take Home Pay — UK take-home pay calculator 2026/27
Real Take Home Pay estimates what reaches your account after Income Tax and National Insurance. England, Wales and Northern Ireland by default; switch to Scotland, add a pension or include a student loan.
Start with a common salary
Example: £35,000 take-home 2026/27
On a £35,000 salary in England, Wales or Northern Ireland for 2026/27, take-home pay is £28,719.60 a year (£2,393.30 a month) after income tax of £4,486.00 and National Insurance of £1,794.40, with the standard 1257L code and no pension or student loan.
| Item | Amount |
|---|---|
| Gross | £35,000 |
| Income Tax | £4,486.00 |
| National Insurance | £1,794.40 |
| Take-home | £28,719.60 a year |
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How Real Take Home Pay works
Results are calculated in your browser using the published HMRC and Scottish Government rates for 2026/27 — income tax bands, employee National Insurance, student loan thresholds and pension methods — so there is no delay and no personal data leaves your device. See the methodology and sources for the exact rules and worked examples.
Income tax
Everyone gets the personal allowance ( £12,570 for2026/27); income above it is taxed at 20% up to £50,270, then 40% and 45% above £125,140. The allowance tapers by £1 for every £2 earned above £100,000. Scotland has its own six bands instead of the flat basic/higher split.
National Insurance
Class 1 employee National Insurance is charged between £12,570 and £50,270, at 8%, falling to 2% above that. The calculator lets you change your NI category.
Student loans and pensions
Student loan repayments are 9% of earnings above the plan's threshold (6% for the postgraduate loan) — you can stack plans 1, 2, 4, 5 and the postgraduate loan. Pensions can be salary sacrifice, net pay or relief at source, with employee and employer contributions shown separately, so you can see the true cost of paying into a pension.