Take Home Pay Calculator UK (2026/27)
Use this take home pay calculator UK to see your net pay for 2026/27: on a £35,000 salary with a 5% pension, you take home about £2,277 a month in England. It deducts income tax (including Scottish rates), employee National Insurance, your pension contribution and any student or postgraduate loan.
- Personal allowance£12,570
- Basic rate band£12,571 – £50,270
- Employee NI8% / 2%
Updated November 2026 · Uses 2026/27 HMRC rates
Calculate your take-home pay
Your result
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How take-home pay is worked out
Your employer deducts income tax and National Insurance through PAYE each payday. Income tax is charged on pay above your personal allowance, after any pension paid by net pay arrangement or salary sacrifice. Employee National Insurance (category A) is 8% on earnings between £12,570 and £50,270 a year and 2% above that. Student loan repayments are 9% of earnings over your plan threshold, and postgraduate loans 6% over £21,000.
Your personal allowance falls by £1 for every £2 of adjusted net income over £100,000, so it disappears completely at £125,140.
Income tax bands 2026/27
| Band (England, Wales, NI) | Taxable income | Rate |
|---|---|---|
| Personal allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 – £50,270 | 20% |
| Higher rate | £50,271 – £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
If you live in Scotland, different bands apply to earnings (but not to savings or dividends):
| Scottish band | Income | Rate |
|---|---|---|
| Starter | £12,571 – £16,537 | 19% |
| Basic | £16,538 – £29,526 | 20% |
| Intermediate | £29,527 – £43,662 | 21% |
| Higher | £43,663 – £75,000 | 42% |
| Advanced | £75,001 – £125,140 | 45% |
| Top | Over £125,140 | 48% |
Student loan thresholds 2026/27
| Plan | Annual threshold | Rate |
|---|---|---|
| Plan 1 | £26,900 | 9% |
| Plan 2 | £29,385 | 9% |
| Plan 4 (Scotland) | £33,795 | 9% |
| Plan 5 | £25,000 | 9% |
| Postgraduate loan | £21,000 | 6% |
Pension contributions and your pay
- Net pay arrangement: the contribution is taken before tax, so you get relief at your top rate automatically, but you still pay NI on it.
- Relief at source: the contribution comes from taxed pay and your provider adds 20%. Higher-rate taxpayers claim the extra relief through Self Assessment or by contacting HMRC; the calculator includes it by extending your basic rate band.
- Salary sacrifice: your salary is reduced, so you save both tax and NI. Try the salary sacrifice calculator to see the saving.
Frequently asked questions
How much is £35,000 after tax in 2026/27?
With no pension or student loan, £35,000 gives £28,719.60 a year, or £2,393.30 a month, in England: £4,486 income tax and £1,794.40 National Insurance.
How much tax do I pay on £30,000?
In England, Wales or Northern Ireland you pay £3,486 income tax and £1,394.40 employee NI on £30,000 in 2026/27, before any pension.
What is the tax-free personal allowance for 2026/27?
It is £12,570, frozen until April 2028. It is reduced by £1 for every £2 of income over £100,000.
What is the NI rate for employees in 2026/27?
Class 1 employee NI is 8% on earnings between £12,570 and £50,270 a year and 2% on earnings above £50,270.
When do I start repaying my student loan?
When your income is over your plan threshold: £26,900 for Plan 1, £29,385 for Plan 2, £33,795 for Plan 4 and £25,000 for Plan 5 in 2026/27.
Sources and method
We use official UK guidance and recognised formulas, and test each calculator against worked examples. Results are estimates to help you plan, not professional advice. See how we work.