Take-Home Pay Calculator
Enter your salary to see what reaches your bank account after income tax, National Insurance, pension and student loan deductions.
Your pay
Tax code Standard
Leave blank for the standard Personal Allowance, reduced automatically above £100,000. Codes such as K500, BR, D0, 0T and NT work, as do the S and C prefixes.
Student loan None
Pension None
Your percentage applies to qualifying earnings only: pay between the lower and upper limits, including overtime and bonus. The contribution gets tax relief but not National Insurance relief.
Bonus and pay frequency Monthly
A bonus is paid in one pay period. The results compare that period with a normal one.
Overtime None
Your hourly rate is taken as salary ÷ weeks in a year ÷ normal hours a week.
Childcare vouchers and salary sacrifice None
Most benefits swapped for salary since April 2017 are taxed on the pay given up, so they save National Insurance only. Cycle to work schemes and electric cars still save both. Leave pension out: it has its own section.
Benefits and allowances None
Benefits such as a company car or medical cover are taxed but carry no employee's National Insurance. Leave them out if your tax code already collects the tax. Cash allowances are paid with your salary and taxed like it.
More options
Your payslip
| Year | Month | Week | |
|---|---|---|---|
| Gross pay | 35,000.00 | 2,916.67 | 673.08 |
| Taxable incomeAfter the allowance in code 1257L | 22,420.00 | 1,868.33 | 431.15 |
| Income tax | 4,484.00 | 373.67 | 86.23 |
| National Insurance | 1,793.88 | 149.49 | 34.50 |
| Take-home pay | 28,722.12 | 2,393.51 | 552.35 |
| Take-home on 2025-26 ratesNo change | 28,722.12 | 2,393.51 | 552.35 |
Income tax by band
| Band | Income | Rate | Tax a year |
|---|---|---|---|
| Basic rate | 22,420 | 20% | 4,484.00 |
| Total | 22,420 | — | 4,484.00 |
Example. A £35,000 salary in 2026-27 leaves £28,722.12 a year, or £2,393.51 a month, after £4,484.00 of income tax and £1,793.88 of National Insurance, on the standard tax code with no pension contributions or student loan.
How your tax code sets your income tax
The number in your tax code is your tax-free pay for the year divided by ten, so 1257L means £12,570. Payroll spreads that allowance across your pay periods and taxes the rest at the basic, higher and additional rates. A K code adds to your taxable pay instead, BR, D0 and D1 tax everything at one rate, and an S or C prefix applies the Scottish or Welsh rates. Leave the code blank and the calculator uses the standard allowance, which shrinks by £1 for every £2 of income over £100,000.
Pension contributions and tax relief
An auto-enrolment percentage applies only to qualifying earnings, the band of pay between a lower and an upper limit, not to your whole salary. Contributions taken before tax save income tax at your top rate. Under salary sacrifice you give up the pay altogether, so you save National Insurance as well. With a personal pension you pay from your take-home pay and the provider adds basic rate relief.
Student loan repayments
Plans 1, 2, 4 and 5 are repaid at 9% of pay above the plan's threshold, and a postgraduate loan at 6% above its own threshold on top. Deductions are worked out each pay period and rounded down to the pound. If you have more than one undergraduate plan, a single 9% is taken above the lowest threshold and shared between them.
Bonuses, overtime and salary sacrifice
A bonus is taxed in the pay period it is paid, so that payslip carries more tax and National Insurance than usual, though the year's income tax comes out the same. Overtime is valued from your hourly rate. Salary sacrifice for most benefits now saves National Insurance only, but cycle to work schemes, electric cars and childcare vouchers for existing members still save tax too.
Take-home pay by salary, 2026-27
Paid monthly on the standard tax code, with no pension contributions or student loan, for England, Wales and Northern Ireland.
| Salary | Income tax | National Insurance | Take-home a year | Take-home a month |
|---|---|---|---|---|
| £20,000 | £1,484.00 | £593.88 | £17,922.12 | £1,493.51 |
| £25,000 | £2,484.00 | £993.96 | £21,522.04 | £1,793.50 |
| £30,000 | £3,484.00 | £1,393.92 | £25,122.08 | £2,093.51 |
| £35,000 | £4,484.00 | £1,793.88 | £28,722.12 | £2,393.51 |
| £40,000 | £5,484.00 | £2,193.96 | £32,322.04 | £2,693.50 |
| £50,000 | £7,484.00 | £2,993.88 | £39,522.12 | £3,293.51 |
| £60,000 | £11,428.00 | £3,210.00 | £45,362.00 | £3,780.17 |
| £75,000 | £17,428.00 | £3,510.00 | £54,062.00 | £4,505.17 |
| £100,000 | £27,428.00 | £4,010.04 | £68,561.96 | £5,713.50 |
Tax, National Insurance and student loan thresholds, 2026-27
Annual figures. The income tax thresholds are for England, Wales and Northern Ireland; Scottish bands differ.
| Threshold | A year |
|---|---|
| Personal Allowance | £12,570 |
| Higher rate income tax starts at | £50,270 |
| Additional rate income tax starts at | £125,140 |
| National Insurance starts at (primary threshold) | £12,570 |
| National Insurance upper earnings limit | £50,270 |
| Student loan Plan 1 threshold | £26,900 |
| Student loan Plan 2 threshold | £29,385 |
| Student loan Plan 4 threshold | £33,795 |
| Student loan Plan 5 threshold | £25,000 |
| Postgraduate loan threshold | £21,000 |
Frequently asked questions
How much is take-home pay on a £30,000 salary?
£25,122.08 a year, or £2,093.51 a month, for 2026-27. That is after £3,484.00 income tax and £1,393.92 National Insurance, on the standard tax code with no pension contributions or student loan.
How much is take-home pay on a £50,000 salary?
£39,522.12 a year, or £3,293.51 a month, for 2026-27. That is after £7,484.00 income tax and £2,993.88 National Insurance, on the standard tax code with no pension contributions or student loan.
What does tax code 1257L mean?
That you have £12,570 of tax-free pay for the year: the number in the code is the allowance divided by ten. Payroll spreads it across your pay periods and taxes the rest.
Why does take-home pay grow more slowly over £100,000?
The Personal Allowance is reduced by £1 for every £2 of income over £100,000, so each extra pound in that range is taxed more heavily until the allowance has gone.
Do pension contributions reduce my tax?
Yes. Contributions taken from pay before tax save income tax at your top rate, and under salary sacrifice you save National Insurance as well. With a personal pension the provider adds basic rate relief instead.
How much are student loan repayments?
9% of pay above your plan's threshold for Plans 1, 2, 4 and 5, plus 6% above its own threshold for a postgraduate loan.
Related calculators
Sources: Income Tax rates and Personal Allowances, National Insurance rates and categories, Repaying your student loan, Scottish Income Tax on GOV.UK.
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