Before you use our tools

  • These tools are for illustration and education. They are not regulated financial advice, and we do not make personal recommendations.
  • The figures are estimates worked out from the assumptions and the numbers you enter. They are not a quote, and not a statement of what you will actually pay or receive.
  • We take care to keep our tools accurate and check them against official sources, but we cannot guarantee they are free from error or fully up to date.
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The full notice appears under every calculator, and in ourTerms of Use, which you can read before continuing.

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Money Foundations

UK Salary Calculator

Enter a gross salary to see what actually lands in your account each month after Income Tax, National Insurance, pension contributions and student loan. A clear picture of your take-home pay is the starting point for any budget.

Your details

Tax year
Where you live

Scotland sets its own Income Tax bands. Wales currently uses the same rates as England and Northern Ireland.

Pension entered as
Pension method

Salary sacrifice reduces the pay used for both Income Tax and National Insurance. A net pay arrangement only reduces the pay used for Income Tax.

I also have a Postgraduate Loan

If you have both, you repay both at the same time. That is 9% of income over your undergraduate threshold, plus 6% over £21,000 for the postgraduate loan.

We work this out from your plan and your pay. If your payslip shows something different, put the yearly amount here and we will use yours. Multiply a monthly deduction by 12.

Buying holiday is a salary sacrifice, so the cost comes out before Income Tax and National Insurance. That is why a bought day costs you noticeably less than a day of take-home pay.

What you take home

Show my take-home pay per
Take-home pay
£2,288a month, £27,460 a year
Income Tax
£345a month
National Insurance
£138a month
Effective tax rate
16.5%tax and NI as a share of gross pay
Marginal rate
26.6%what you lose from your next £1

After tax, National Insurance, pension.

Where your gross pay goes

Take-home 78.5%Income Tax 11.8%National Insurance 4.7%Pension 5.0%

Your pay broken down, shown at four different frequencies
ItemYearMonthWeekDay
Gross pay£35,000£2,917£673£135
Pension-£1,750-£146-£34-£7
Income Tax-£4,136-£345-£80-£16
National Insurance-£1,654-£138-£32-£6
Take-home pay£27,460£2,288£528£106

Daily figures assume 260 working days a year, which is 5 days a week before holiday. Weekly figures divide the year by 52.

How your Income Tax is worked out (England & NI)

BandRateIncome taxedTax
Basic rate20%£20,680£4,136
Total£4,136

Tax-free allowance used: £12,570. The bands apply to what is left after that allowance comes off.

Save or reload your figures

Save what you have entered to a spreadsheet file on your own computer, then load it back later to pick up where you left off or try different assumptions. The file stays on your device. It is never uploaded, and we never see it.

The saved file also contains the results, so it makes sense on its own in Excel or Numbers. When you load it back, only the details you entered are used. Every result is worked out again from scratch, so an edited file can never show you a misleading answer.

What this assumes

  • Rates and thresholds for the 2026/27 tax year, taken from gov.uk and last checked on 2026-07-18.
  • National Insurance is worked out on your annual pay. Real NI is calculated per pay period, so if your pay is very uneven month to month your actual deductions can differ slightly.
  • Student loan repayments use the same earnings basis as National Insurance, and are shown before the rounding your payroll applies.
  • It assumes one job, no other taxable income, no benefits other than any company car value you entered, and that you are under State Pension age.
  • Self-employed figures use simplified Class 4 National Insurance only and ignore payments on account and allowable expenses.