UK Salary Calculator — Take-Home Pay After Tax & NI
Your monthly take-home from gross salary: income tax, NI, pension, student loan.
✓ 2025/26 tax year · updated June 2026
| Gross salary | £35,000 |
| Pension contribution | −£1,750 |
| Personal allowance | £12,570 |
| Income tax | −£4,136 |
| National Insurance | −£1,654 |
| Take-home pay | £27,460 |
2025/26 rates, England/Wales/NI bands (Scottish income-tax bands differ). Pension is modelled as salary sacrifice, reducing both tax and NI.
Results are estimates for information only, not financial advice. See how we build and verify our calculators.
Enter your gross annual salary to see your take-home pay for the 2025/26 tax year. The calculator applies the £12,570 personal allowance (with the £100k taper), the 20/40/45% income-tax bands, employee National Insurance at 8% and 2%, your pension contribution as salary sacrifice, and your student loan plan — with a line-by-line breakdown of where every pound goes.
How to use the UK Salary Calculator
- Enter your gross annual salary.
- Add your pension percentage (salary sacrifice) if you contribute.
- Pick your student loan plan, or leave as none.
- Read your monthly, annual and weekly take-home with the full deduction breakdown.
Frequently asked questions
What are the UK income tax bands for 2025/26?
After the £12,570 personal allowance: 20% basic rate on the next £37,700 of taxable income, 40% higher rate up to £125,140, and 45% additional rate above. The allowance tapers away £1 per £2 of income over £100,000.
How much National Insurance do I pay?
Employees pay 8% on earnings between £12,570 and £50,270 a year, and 2% above that — deducted through PAYE alongside income tax.
Why does salary sacrifice pension save money?
Sacrificed salary never reaches you, so it escapes both income tax and NI — a 20% taxpayer effectively gets 28% relief. This calculator models pension that way; relief-at-source schemes differ slightly.
Does this work for Scotland?
NI and student loans are UK-wide, but Scotland sets different income-tax bands (19%–48% across six bands), so Scottish take-home differs. This calculator uses England/Wales/NI bands.