UK take-home pay calculator (2026-27)
UK take-home pay calculator (2026-27)Your UK take-home pay is your gross minus income tax (after the personal allowance) and employee National Insurance, plus any pension contribution you make.
Worked example · Net / month
You keep 82.1% of gross pay 17.9% goes to tax and contributions
With Gross annual salary of 35,000 GBP, this model computes Net / month of 2,393.30 GBP. See the full working.
✓ Verified against 2 self-test cases Updated for 2026-27 · sources checked 2026-10-17
How take-home pay in United Kingdom is calculated
For the 2026-27 tax year (rest of the UK), everyone starts with a 12,570 GBP personal allowance — the slice of income taxed at 0%. Above 100,000 GBP that allowance tapers away by 1 GBP for every 2 GBP of income, disappearing entirely by 125,140 GBP.
Income above the allowance is taxed at 20% up to the basic-rate limit, 40% in the higher band, and 45% at the top. Employee National Insurance is charged separately on gross earnings: 8% between the primary threshold and the upper earnings limit, then 2% above it.
A workplace pension contribution reduces both your taxable income and your take-home, so the calculator exposes it as a percentage. Scotland runs its own income-tax bands; this page models the rest-of-UK rates. Estimates only — not tax advice.
Worked example
ShowHide the full working: 2 inputs, 8 computed steps
| Inputs | |
|---|---|
| Gross annual salary | 35,000 GBP |
| Pension contribution | 0 |
| Computed by the engine | |
| Pension Contribution | 0 |
| Adjusted Income | 35,000 |
| Personal allowance ✓ pinned | 12,570 GBP |
| Taxable income ✓ pinned | 22,430 GBP |
| Income tax ✓ pinned | 4,486 GBP |
| National Insurance ✓ pinned | 1,794.40 GBP |
| Net / year ✓ pinned | 28,719.60 GBP |
| Net / month ✓ pinned | 2,393.30 GBP |
Every computed row comes from the engine, run on the inputs above. Rows marked ✓ pinned are also fixed by a published self-test, so a change to the model that moved them would fail its own tests.
Frequently asked questions
How much is take-home pay on £35,000 in the UK?
On a 35,000 GBP salary the personal allowance covers the first 12,570 GBP, income tax at 20% applies to the remaining 22,430 GBP, and employee National Insurance is charged at 8% between the thresholds. The calculator shows the exact monthly and annual net.
What is the £100,000 personal allowance trap?
Above 100,000 GBP your personal allowance falls by 1 GBP for every 2 GBP earned, which pushes the effective marginal rate on that band to 60%. Enter a salary above 100,000 GBP to watch the allowance shrink.
Does this include Scottish income tax?
No — this page uses the rest-of-UK bands. Scotland has its own five-band scale with different thresholds; a Scottish variant is a planned addition.
Sources
- GOV.UK — Income Tax rates and allowances · checked 2026-08-02
- GOV.UK — rates and thresholds for employers 2026-27 · checked 2026-10-17
Estimate. Not tax advice. The verification badge means the model reproduces the stated formula through 2 self-test cases; the sources support that the formula matches the rules.
Check the arithmetic yourself: how this calculator is verified — the formula behind every derived value, the 2 test cases the engine reproduces, and what the badge does and does not claim. Also available as machine-readable JSON.
Related calculators
Germany Nettogehalt (net salary) · Estonia Netopalk (net salary) · Brazil Salário líquido (net salary) · India in-hand salary · France Salaire net (net salary)
Also for United Kingdom: United Kingdom vehicle tax · United Kingdom sole trader · United Kingdom VAT · United Kingdom holiday entitlement
All United Kingdom calculators · All calculators
Fork this model in the Valem sandbox →
Built with Valem — a live, verifiable calculator you can fork and embed.