2026/27 tax year
UK take-home pay calculator (2026/27)
On a £35,000 salary you take home £28,720 a year, or £2,393 a month, after Income Tax and National Insurance in 2026/27. Enter your salary for an exact figure, including Scottish tax, student loans and pension contributions.
Take-home pay (monthly)
£2,393- Gross pay£2,917
- Income Tax−£374
- National Insurance (Class 1)−£150
- Net pay£2,393
Take-home pay by salary
Click any salary for a full breakdown, monthly and weekly figures, and nearby salaries.
| Salary | Take-home / yr | Per month | Effective tax | Kept of last raise |
|---|---|---|---|---|
| £20,000 | £17,920 | £1,493 | 10.4% | — |
| £25,000 | £21,520 | £1,793 | 13.9% | 72% |
| £28,000 | £23,680 | £1,973 | 15.4% | 72% |
| £30,000 | £25,120 | £2,093 | 16.3% | 72% |
| £35,000 | £28,720 | £2,393 | 17.9% | 72% |
| £40,000 | £32,320 | £2,693 | 19.2% | 72% |
| £45,000 | £35,920 | £2,993 | 20.2% | 72% |
| £50,000 | £39,520 | £3,293 | 21.0% | 72% |
| £55,000 | £42,457 | £3,538 | 22.8% | 59% |
| £60,000 | £45,357 | £3,780 | 24.4% | 58% |
| £70,000 | £51,157 | £4,263 | 26.9% | 58% |
| £80,000 | £56,957 | £4,746 | 28.8% | 58% |
| £100,000 | £68,557 | £5,713 | 31.4% | 58% |
| £125,000 | £78,057 | £6,505 | 37.6% | 38% |
| £150,000 | £91,286 | £7,607 | 39.1% | 53% |
UK income tax bands 2026/27
Everyone gets a £12,570 tax-free Personal Allowance. In England, Wales and Northern Ireland, the next £37,700 is taxed at 20%, income up to £125,140 at 40% and anything above at 45%. Above £100,000, the allowance falls by £1 for every £2 earned and is gone at £125,140.
Scotland uses six bands for 2026/27: 19% starter, 20% basic, 21% intermediate, 42% higher, 45% advanced and 48% top rate. Scottish taxpayers earning more than roughly £33,000 pay more than the rest of the UK.
National Insurance and student loans
Employees pay Class 1 National Insurance of 8% on earnings between £12,570 and £50,270, and 2% above that. Student loan repayments are 9% of income above the plan threshold: £26,900 (Plan 1), £29,385 (Plan 2), £33,795 (Plan 4), £25,000 (Plan 5), or 6% above £21,000 for a Postgraduate Loan.
Frequently asked questions
What is the tax-free Personal Allowance for 2026/27?
£12,570, the same as in recent years because the threshold is frozen. It shrinks by £1 for every £2 of income above £100,000 and disappears completely at £125,140.
How much National Insurance do I pay in 2026/27?
8% on earnings between £12,570 and £50,270 a year, and 2% on anything above £50,270. On a £35,000 salary that is £1,794.40 a year.
Is Scottish income tax higher than England?
For earners above roughly £33,000, yes. Scotland's higher rate is 42% from £43,663 of income, compared with 40% from £50,271 in England. Lower earners in Scotland pay slightly less thanks to the 19% starter rate.
Disclaimer: These are estimates based on published tax rates for a single employee with standard deductions and no other income. Your actual pay depends on your tax code, benefits, credits and local taxes. This site is for information only and is not financial, tax or legal advice. Check with your tax authority or a qualified professional before making decisions.