Calculator · 2026/27
Take-home pay calculator
Gross salary to net pay after income tax and employee National Insurance for 2026/27. Monthly and weekly figures.
How this is calculated
This calculator uses HMRC published rates for the 2026/27 tax year in England, Wales and Northern Ireland. The personal allowance is £12,570 and is reduced by £1 for every £2 of income above £100,000. Income tax is 20% on taxable income up to £50,270, 40% up to £125,140 and 45% above that.
Employee National Insurance is 8% on earnings between £12,570 and £50,270 and 2% above £50,270. The calculator assumes a standard tax code, with no pension contributions, student loan, salary sacrifice or benefits in kind. Scottish taxpayers have different income-tax bands and should not use it.
It is for employees and company directors who want a quick figure for monthly or weekly pay before taking a job, asking for a rise or setting their own salary.
Worked example
On a salary of £35,000, income tax is £4,486 (20% of the £22,430 above the personal allowance) and National Insurance is £1,794 (8% of the same £22,430). Take-home pay is therefore about £28,720 a year, which is £2,393 a month or £552 a week.
Common questions
Does this include pension contributions?
No. It assumes a standard tax code with no pension, student loan or salary sacrifice. Each of those changes your take-home pay.
Why does tax rise sharply above £100,000?
The personal allowance falls by £1 for every £2 of income over £100,000, so it has gone completely by £125,140. That gives a high effective rate on income in that band.
Does it work for Scotland?
No. Scotland sets its own income-tax bands. National Insurance is the same across the UK, but income tax for Scottish taxpayers is different.
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Figures for the 2026/27 tax year as published at the time of writing; always check gov.uk before acting. Not tax advice.