How to use the UK salary calculator
Enter your gross salary or wage and how often you are paid, then add your workplace pension contribution and choose whether it is a net pay or salary sacrifice scheme. The calculator applies the 2026/27 Income Tax bands for England, Wales and Northern Ireland and the current employee National Insurance rates to show your take-home pay for the year, month and week.
Income Tax bands 2026/27
| Band | Taxable income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 – £50,270 | 20% |
| Higher rate | £50,271 – £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
National Insurance 2026/27
| Annual earnings | Employee rate |
|---|---|
| Up to £12,570 | 0% |
| £12,570 – £50,270 | 8% |
| Over £50,270 | 2% |
Worked example: £35,000 salary
- Income Tax: (£35,000 − £12,570) × 20% = £4,486.
- National Insurance: (£35,000 − £12,570) × 8% = £1,794.40.
- Take-home pay with no pension: £28,719.60 a year, or about £2,393 a month.
Things this calculator doesn't include
To keep the tool simple, it does not include student loan repayments, the Marriage Allowance, Blind Person's Allowance, taxable benefits in kind or non-standard tax codes. If your tax code is not 1257L, your actual take-home pay may differ. Check your tax code in your HMRC personal tax account.
Last reviewed: 11 October 2026. Figures are estimates for guidance only — see our disclaimer.