Income Tax · National Insurance · 2026/27
UK Take-Home Pay Calculator 2026/27
Enter your salary to see your take-home pay after Income Tax, National Insurance, pension and student loan, by year, month and week. Covers England, Scotland, Wales and Northern Ireland.
Tax year 6 April 2026 to 5 April 2027 · rates verified 11 October 2026
Pension, student loan and tax code options
Auto-enrolment minimum is 5% from you (including tax relief), usually on qualifying earnings.
Estimate for the whole 2026/27 tax year (6 April 2026 to 5 April 2027). Monthly and weekly figures are the yearly amount divided by 12 and 52.
How your take-home pay is worked out
Your take-home pay is your gross salary minus four things: Income Tax, National Insurance, any pension contributions and any student loan repayments. For a £35,000 salary in England with no pension or student loan, that's £4,486.00 tax and £1,794.40 National Insurance, leaving £28,719.60 a year.
Scotland vs the rest of the UK
Scotland sets its own Income Tax bands, so the same salary can give a different take-home pay. National Insurance and student loans are the same everywhere. This table follows the salary in the calculator.
| Where you live | Income Tax | Take-home | Per month |
|---|
Income Tax bands 2026/27
England, Wales and Northern Ireland
| Band | Taxable income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
Scotland
| Band | Taxable income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Starter rate | £12,571 to £16,537 | 19% |
| Basic rate | £16,538 to £29,526 | 20% |
| Intermediate rate | £29,527 to £43,662 | 21% |
| Higher rate | £43,663 to £75,000 | 42% |
| Advanced rate | £75,001 to £125,140 | 45% |
| Top rate | Over £125,140 | 48% |
These bands assume the standard £12,570 Personal Allowance. Above £100,000 the allowance shrinks by £1 for every £2, which creates an effective 60% tax rate between £100,000 and £125,140 (62% with National Insurance).
National Insurance 2026/27
| Earnings | Weekly | Monthly | Yearly | Employee rate |
|---|---|---|---|---|
| Below the primary threshold | Up to £242 | Up to £1,048 | Up to £12,570 | 0% |
| Primary threshold to upper earnings limit | £242.01 to £967 | £1,048.01 to £4,189 | £12,570.01 to £50,270 | 8% |
| Above the upper earnings limit | Over £967 | Over £4,189 | Over £50,270 | 2% |
Take-home pay on common salaries
No pension or student loan, standard tax code.
| Salary | Take-home (rUK) | Per month | Take-home (Scotland) | Per month |
|---|---|---|---|---|
| £15,000 | £14,320 | £1,193 | £14,344 | £1,195 |
| £20,000 | £17,920 | £1,493 | £17,959 | £1,497 |
| £25,000 | £21,520 | £1,793 | £21,559 | £1,797 |
| £28,000 | £23,680 | £1,973 | £23,719 | £1,977 |
| £30,000 | £25,120 | £2,093 | £25,155 | £2,096 |
| £32,000 | £26,560 | £2,213 | £26,575 | £2,215 |
| £35,000 | £28,720 | £2,393 | £28,705 | £2,392 |
| £38,000 | £30,880 | £2,573 | £30,835 | £2,570 |
| £40,000 | £32,320 | £2,693 | £32,255 | £2,688 |
| £45,000 | £35,920 | £2,993 | £35,524 | £2,960 |
| £50,000 | £39,520 | £3,293 | £38,024 | £3,169 |
| £55,000 | £42,457 | £3,538 | £40,807 | £3,401 |
| £60,000 | £45,357 | £3,780 | £43,607 | £3,634 |
| £70,000 | £51,157 | £4,263 | £49,207 | £4,101 |
| £80,000 | £56,957 | £4,746 | £54,657 | £4,555 |
| £90,000 | £62,757 | £5,230 | £59,957 | £4,996 |
| £100,000 | £68,557 | £5,713 | £65,257 | £5,438 |
| £120,000 | £76,157 | £6,346 | £71,357 | £5,946 |
| £150,000 | £91,286 | £7,607 | £85,355 | £7,113 |
See a full breakdown on the salary after tax pages.
More calculators
Frequently asked questions
How much tax will I pay on £35,000?
In England, Wales or Northern Ireland, £35,000 a year means £4,486.00 Income Tax and £1,794.40 National Insurance in 2026/27, leaving take-home pay of £28,719.60 a year or £2,393.30 a month. In Scotland, Income Tax is £4,501.07.
What is the Personal Allowance for 2026/27?
£12,570. It's frozen at this level. It falls by £1 for every £2 of adjusted net income over £100,000, so it's gone completely at £125,140.
What are the Income Tax bands in 2026/27?
In England, Wales and Northern Ireland: 20% on £12,571 to £50,270, 40% on £50,271 to £125,140 and 45% above that. Scotland has six bands from 19% to 48%. See the full tax bands.
How much National Insurance do employees pay?
8% on earnings between £12,570 and £50,270 a year, and 2% on anything above £50,270. Employers pay 15% on earnings above £5,000.
Does Wales have different Income Tax rates?
Not for 2026/27. The Welsh rates of Income Tax are set at the same level as England and Northern Ireland, so a C tax code gives the same result as an ordinary code.
Why is my payslip slightly different from this calculator?
This calculator works out the tax for the whole year. Payroll works it out each pay period, so things like a pay rise mid-year, a bonus month, a different tax code or how your employer rounds can make one payslip differ by a few pounds.
What does tax code 1257L mean?
1257L is the standard tax code. It gives you the £12,570 Personal Allowance tax free. Codes ending in M or N are for Marriage Allowance, BR and D0 tax everything at one rate, and a K code means you owe tax on something like a company car. Try the tax code calculator.
Is salary sacrifice better than relief at source?
Usually, because salary sacrifice saves National Insurance as well as Income Tax. A relief at source contribution only gets tax relief. Compare them with the pension calculator.
All rates, thresholds and dates on this page come from official sources, including GOV.UK, HM Revenue and Customs, the Scottish Government, Revenue Scotland and the Welsh Government. Last verified 11 October 2026.