# Take-Home Pay Calculator 2026/27 > Your 2026/27 UK take-home pay after income tax, National Insurance, student loan and pension, per year, month and week. HMRC 2026/27 rates and thresholds. URL: https://paycheck-math.com/uk/take-home-pay-calculator/ Breadcrumbs: Home > United Kingdom > Take-home pay calculator Language: en-GB Rates checked: 2026-10-29 Your 2026/27 take-home pay after income tax, National Insurance, pension and student loan, using HMRC's rates for England, Wales and Northern Ireland. The first £12,570 you earn is tax-free. ## Result with default inputs Inputs: gross=35000, region=ruk, pension_pct=5, pension_type=net, blind=false, no_ni=false, loans= **Take-home pay per year: £27,319.60** - Per month: £2,276.63 - Average tax rate: 16.94% - Tax on your next 1,000: 27% | Line | Item | Amount | | --- | --- | --- | | 1 | Gross pay | £35,000.00 | | 2 | Income tax | −£4,136.00 | | 3 | National Insurance | −£1,794.40 | | 4 | Pension | −£1,750.00 | | 5 | **Take-home pay** | £27,319.60 | To compute other inputs, call the JSON API: `https://paycheck-math.com/api/v1/calculate?path=%2Fuk%2Ftake-home-pay-calculator%2F&gross=35000®ion=ruk&pension_pct=5` or open the page URL with the same query parameters. ## Take-home pay at common salaries (2026/27) No pension or student loan. Scotland column uses the Scottish income tax bands. | Salary | Income tax | NI | Take-home | Per month | Scotland take-home | | --- | --- | --- | --- | --- | --- | | [£20,000](https://paycheck-math.com/uk/salary-after-tax/20000/) | £1,486 | £594 | **£17,920** | £1,493 | £17,959 | | [£25,000](https://paycheck-math.com/uk/salary-after-tax/25000/) | £2,486 | £994 | **£21,520** | £1,793 | £21,559 | | [£30,000](https://paycheck-math.com/uk/salary-after-tax/30000/) | £3,486 | £1,394 | **£25,120** | £2,093 | £25,155 | | [£35,000](https://paycheck-math.com/uk/salary-after-tax/35000/) | £4,486 | £1,794 | **£28,720** | £2,393 | £28,705 | | [£40,000](https://paycheck-math.com/uk/salary-after-tax/40000/) | £5,486 | £2,194 | **£32,320** | £2,693 | £32,255 | | [£50,000](https://paycheck-math.com/uk/salary-after-tax/50000/) | £7,486 | £2,994 | **£39,520** | £3,293 | £38,024 | | [£60,000](https://paycheck-math.com/uk/salary-after-tax/60000/) | £11,432 | £3,211 | **£45,357** | £3,780 | £43,607 | | [£75,000](https://paycheck-math.com/uk/salary-after-tax/75000/) | £17,432 | £3,511 | **£54,057** | £4,505 | £52,007 | | [£100,000](https://paycheck-math.com/uk/salary-after-tax/100000/) | £27,432 | £4,011 | **£68,557** | £5,713 | £65,257 | | [£125,000](https://paycheck-math.com/uk/salary-after-tax/125000/) | £42,432 | £4,511 | **£78,057** | £6,505 | £72,882 | ## How it's calculated 1. **Personal allowance.** The first £12,570 is tax-free. It shrinks by £1 for every £2 of income above £100,000 and is gone at £125,140. 2. **Income tax** is charged on the rest in bands: 20% basic, 40% higher and 45% additional rate. 3. **National Insurance** (Class 1, category A) is 8% of earnings between £12,570 and £50,270, and 2% above. 4. **Pension** contributions under a net pay arrangement are taken before income tax. **Student loans** take 9% (6% postgraduate) above the plan threshold. ## Income tax bands 2026/27 ### England, Wales and Northern Ireland | Band | Taxable income (after allowance) | Rate | | --- | --- | --- | | Basic | £0 – £37,700 | 20% | | Higher | £37,701 – £125,140 | 40% | | Additional | £125,141 and over | 45% | ### Scotland | Band | Taxable income (after allowance) | Rate | | --- | --- | --- | | Starter | £0 – £3,967 | 19% | | Basic | £3,968 – £16,956 | 20% | | Intermediate | £16,957 – £31,092 | 21% | | Higher | £31,093 – £62,430 | 42% | | Advanced | £62,431 – £125,140 | 45% | | Top | £125,141 and over | 48% | Official source: [gov.uk/guidance/rates-and-thresholds-for-employers-2026-to-2027](https://www.gov.uk/guidance/rates-and-thresholds-for-employers-2026-to-2027), [gov.uk/income-tax-rates](https://www.gov.uk/income-tax-rates), [gov.uk/scottish-income-tax](https://www.gov.uk/scottish-income-tax). Rates checked on Oct 29, 2026. ## Questions people ask ### How much is £35,000 after tax? In 2026/27 you take home £28,720 a year (£2,393 a month) in England, Wales or Northern Ireland, and £28,705 in Scotland, with no pension or student loan. ### What is the personal allowance for 2026/27? £12,570. It is reduced by £1 for every £2 of adjusted net income over £100,000. ### Why is my payslip different? Your employer uses your tax code and pays you monthly or weekly, so small rounding differences, benefits in kind or an emergency tax code can change individual payslips. ## Related calculators - [Salary after tax in 2026/27](https://paycheck-math.com/uk/salary-after-tax/index.md) - [UK Income Tax Rates and Bands 2026/27](https://paycheck-math.com/uk/income-tax-rates/index.md) - [Self Assessment Tax Calculator 2025/26](https://paycheck-math.com/uk/self-assessment-tax-calculator/index.md) - [Self-Employed Tax Calculator 2025/26](https://paycheck-math.com/uk/self-employed-tax-calculator/index.md) - [Dividend Tax Calculator 2025/26](https://paycheck-math.com/uk/dividend-tax-calculator/index.md) - [Landlord Tax Calculator 2025/26](https://paycheck-math.com/uk/landlord-tax-calculator/index.md) --- Estimates for information only, not tax, legal or financial advice. Check with an adviser or the official tax authority.