2026/27 tax year · updated 6 April 2026
Work out what actually lands in your account.
Free take-home pay calculator for the whole UK — no account, no email, just the numbers.
Take-home pay calculator
England, Wales, Northern Ireland and Scotland — 2026/27 rates
Optional. Leave at 0 if you don't contribute via salary sacrifice.
Take-home pay
£28,720
per year
Gross pay£35,000
Pension-£0
Income Tax-£4,486
National Insurance-£1,794
Net pay£28,720
Figures use 2026/27 rates: Personal Allowance £12,570 (tapered above £100,000, gone at £125,140), employee National Insurance at 8% between £12,570–£50,270 and 2% above. Scotland uses the six Scottish Income Tax bands. Estimate only — doesn't account for student loans, benefits-in-kind, or non-standard tax codes.
Take-home pay is your gross salary minus Income Tax and National Insurance, and minus any pension you sacrifice before those deductions are worked out. Everyone gets a tax-free Personal Allowance of £12,570 for 2026/27, then the rest is taxed in bands — 20% up to £50,270, 40% up to £125,140, and 45% above that in England, Wales and Northern Ireland. Scotland runs six separate bands instead of three, so the same salary can land differently depending on where you live and work.
Frequently asked questions
How much tax will I pay on my salary in the UK?
You pay 0% on the first £12,570 (the Personal Allowance), 20% up to £50,270, 40% up to £125,140, and 45% above that in England, Wales and Northern Ireland. Scotland uses six separate bands instead of three.
Does this calculator include National Insurance?
Yes — employee National Insurance is calculated at 8% on earnings between £12,570 and £50,270, and 2% above that, using 2026/27 rates.