UK · Free calculator
Take-home pay calculator
Estimate your UK take-home pay after income tax, National Insurance, student loan and pension contributions.
Your figures
Rates updated 2026-04-06. Results update as you type.
Estimated take-home pay for 2026/27.
- Monthly take-home
- £2,247.47
- Annual take-home
- £26,969.60
- Weekly take-home
- £518.65
- Income tax
- £4,486.00
- National Insurance
- £1,794.40
- Student loan
- £0.00
- Pension contribution
- £1,750.00
Where your salary goes
- Take-home £26,969.60
- Income tax £4,486.00
- NI £1,794.40
- Pension £1,750.00
Breakdown
- Gross pay
- £35,000.00
- Personal Allowance
- £12,570.00
- Taxable income
- £22,430.00
How this calculator works
Income tax and NI are applied to taxable pay after the Personal Allowance. A 5% pension contribution is deducted to show realistic take-home.
£35,000 salary example
Someone earning £35,000 in England with 5% pension and no student loan.
Assumptions & sources
- Rates for UK tax year 2026/27.
- Employee Class 1 National Insurance only (not self-employed).
- Does not include marriage allowance, Blind Person’s Allowance, or other reliefs.
- Pension contributions modelled as a simple % of gross (relief at source unless salary sacrifice is selected).
Frequently asked questions
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