2026/27 Tax Year

Take-Home Pay Calculator

For employees paid via PAYE. Enter your salary and we'll calculate your income tax, National Insurance, pension and student loan deductions — showing exactly what hits your bank account. Based on 2026/27 UK tax rates.

Your salary details

All deductions calculated automatically as you type.

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Your total salary before any deductions — the figure on your employment contract. Not your take-home or net pay.
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Any additional one-off or recurring payments on top of your base salary. Taxed in the same way as salary — there's no special 'bonus tax rate', it just gets added to your income for the year.
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Scotland has its own income tax rates with 6 bands (starter, basic, intermediate, higher, advanced, top) compared to 3 bands in the rest of the UK. National Insurance is the same across the UK.
Pension
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Auto-enrolment default is 5% of qualifying earnings (salary between £6,240–£50,270). Percentage of salary applies to your full gross. Fixed amount lets you set a specific monthly figure. Employer contributions aren't deducted from your pay.
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Relief at source (most common): pension provider claims basic-rate tax relief for you. Higher/additional taxpayers claim the rest via Self Assessment. Salary sacrifice: reduces your gross salary before tax/NI — more efficient, saves NI too. Net pay: full relief applied automatically through payroll.
Other deductions
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Plan 1: started before Sept 2012. Plan 2: started after Sept 2012 (England/Wales). Plan 4: Scotland. Plan 5: started after Aug 2023 (England). Postgrad: separate to Plans 1–5, can run concurrently. All repaid as a % of income above the threshold.

Your take-home pay

Based on a £35,000 salary

£0
per year
£0 / month
Weekly
£0
Daily
£0
Gross salary + bonus –
Income tax –
Employee National Insurance –
Student loan –
Effective tax rate 0%
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Estimate only. Based on 2026/27 HMRC rates. Assumes standard tax code (1257L). If you have other income, benefits in kind, or non-standard tax codes, your actual take-home may differ. Not financial advice.