Example result based on the prefilled values.
Net Annual
£27,319.60
Monthly
£2,276.63
Tax
£4,136.00
NI
£1,794.40
Effective Rate
16.94%
Continue your plan
Useful next calculations
Rates & sources2026/27
2026/27 Income Tax bands for England, Wales and Northern Ireland, Category A employee NI thresholds, and student-loan repayment thresholds.
Source: GOV.UK — 2026/27 employer rates and thresholds — source checked for 2026/27.
When to use this calculator
- Before accepting a pay change, bonus, pension contribution, or salary-sacrifice option.
- When you want to compare employed, self-employed, or dividend-based income scenarios.
- When you need a simple take-home estimate before running payroll or filing returns.
- When you are approaching the £100,000 income level and want to understand the personal allowance taper effect.
- When you are planning a salary sacrifice arrangement and need to see the net pay impact before agreeing terms.
Example: turning a headline salary into take-home pay
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
Gross salary
£35,000
Estimated monthly net pay
Shown from the selected inputs
Pension contribution
5%
Student loan setting
No student loan applied
The real value here is seeing how the gap between gross and net pay changes the budget you can actually live on. That is often what makes a pay offer feel very different in practice.
How to read your results
Net Annual
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Monthly
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Tax
Review this figure alongside your gross income so you can understand the true cost of deductions and plan around any thresholds before the tax year closes. If the figure looks higher than expected, check whether any pension or gift-aid contributions could reduce your taxable income.
NI
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Effective Rate
The effective rate lets you compare options on a true like-for-like basis rather than being misled by different compounding periods or fee structures. Use it to cut through headline marketing rates when shortlisting providers or products.
Method & assumptionsAuthoritative sources
This calculator estimates UK take-home pay using the 2026/27 Income Tax bands for England, Wales and Northern Ireland and Category A employee National Insurance thresholds. It assumes the standard Personal Allowance rules and PAYE employment, so it is not designed for Scottish Income Tax, self-employment, non-standard tax codes or multiple jobs. Pension contributions reduce taxable pay; selecting salary sacrifice also reduces the earnings used for this simplified NI estimate.
Student loan deductions use the 2026/27 annual thresholds for Plans 1, 2, 4 and 5. Payroll deductions are normally calculated per pay period, so rounding, bonuses, benefits and tax-code changes can make a payslip differ. Verify material decisions with HMRC, your payroll team or a qualified tax professional.
Common mistakes
- !Entering gross income when you really want take-home pay, or vice versa.
- !Ignoring pension contributions, deductions, or local tax rules that change the result.
- !Comparing monthly and annual figures without standardising them first.
- !Overlooking the National Insurance threshold changes that apply mid-year when rates or bands are adjusted in a Budget.
- !Assuming a salary sacrifice benefit reduces take-home pay by the full gross amount, rather than only the after-tax cost.
What to do next
- Check the same scenario with related pay or deduction calculators to see the full picture.
- Keep a copy of the assumptions you used so you can compare next tax year or pay period accurately.
- Read the related guides below if you are choosing between multiple income or deduction options.
- If you are self-employed, run the self-employment tax calculator alongside this result to compare the net position against employed income.
- Check whether increasing your pension contribution by even one or two percent changes the take-home significantly — use the pension calculator next.
Go deeper — 4 guides reference this calculator
- 9m
UK Tax Year 2025/26: Complete Guide to Allowances, Bands & Thresholds
Full reference for the 2025/26 UK tax year — income tax bands, Personal Allowance, National Insurance, ISA allowance, pension limits, stamp duty changes.
- 10m
UK Self-Employed Tax Guide: Self Assessment, Payments on Account, Allowable Expenses
How self-employed tax works in the UK — registering with HMRC, the Self Assessment deadline, payments on account, what you can claim, and Class 2/4 NI.
- 7m
Pay Rise Calculator Guide: What a Gross Raise Becomes After Tax, NI and Pension
Turn a gross salary increase into a real take-home figure by checking tax, National Insurance, pension contributions and inflation together.
- 6m
UK Tax Code Guide: 1257L, K Codes, Emergency Codes and What to Do
How to read a UK tax code, what common letters mean, why emergency codes happen, and how to check your payslip against the right net pay.
Frequently asked
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