Your salary after tax, month by month
Type your gross salary and where you pay tax, and the calculator estimates your take-home pay for the 2026/27 tax year (6 April 2026 to 5 April 2027). It takes off Income Tax and National Insurance, and, if you turn them on in the bottom bar, your student loan repayments and a 5% workplace pension. The big number is your take-home pay per month. Below it: the yearly figure, your Income Tax and your National Insurance. Details opens the line-by-line breakdown, per year and per month.
An example
On a salary of £35,000 a year in England, with no pension and no student loan:
- Personal allowance: £12,570, so £22,430 is taxable.
- Income Tax: 20% of £22,430 = £4,486.
- National Insurance: 8% of the earnings between £12,570 and £35,000 = £1,794.40.
- Take-home pay: £28,719.60 a year, or £2,393.30 a month.
With a Plan 2 student loan, add 9% of the earnings above £29,385 (£505.35 a year): take-home pay falls to £2,351.19 a month. With a 5% pension instead, £1,438 goes into the pension before tax, Income Tax drops to £4,198.40 and take-home pay is £2,297.43 a month. The same £35,000 in Scotland gives Income Tax of £4,501.07 and £2,392.04 a month.
The rates used, 2026/27 tax year
These are the rates in force on November 4, 2026, for an employee on tax code 1257L.
Income Tax
The personal allowance is £12,570. It goes down by £1 for every £2 of income above £100,000, and disappears at £125,140. Tax is then charged on taxable income (income after the allowance):
| England, Wales and Northern Ireland | Rate |
|---|---|
| First £37,700 of taxable income | 20% |
| Up to £125,140 | 40% |
| Above £125,140 | 45% |
| Scotland, taxable income | Rate |
|---|---|
| Up to £3,967 | 19% |
| Up to £16,956 | 20% |
| Up to £31,092 | 21% |
| Up to £62,430 | 42% |
| Up to £125,140 | 45% |
| Above £125,140 | 48% |
National Insurance, student loans and pension
- National Insurance (employee, category A): 8% on earnings between £12,570 and £50,270 a year, and 2% above £50,270.
- Student loans: 9% of earnings above £26,900 (Plan 1), £29,385 (Plan 2), £33,795 (Plan 4) or £25,000 (Plan 5); 6% above £21,000 for a Postgraduate loan.
- Workplace pension: 5% of “qualifying earnings”, the part of your pay between £6,240 and £50,270, taken before tax (net pay arrangement), as under automatic enrolment.
Sources and updates
The rates come from GOV.UK, the UK government’s website, and the guidance “Rates and thresholds for employers 2026 to 2027” published there by HM Revenue & Customs, with the GOV.UK review of the automatic enrolment thresholds for 2026/27. Under the result, a line gives the tax year, the date we last checked and the source, and the Sources and updates block further down links to each page. We check these rates whenever an official change is announced, and at least once a quarter.
An estimate, not a payslip
The result is an estimate for an employee paid the same amount every month, on tax code 1257L. Your payslip can differ: a different tax code, benefits in kind, salary sacrifice, bonuses, overtime, several jobs, a pension under relief at source or the way your employer rounds each pay period all change the figures. If you are self-employed, a director or paid weekly, the rules are not the same. Check your tax code and your payslip, and HMRC’s own tools, for your exact position.
Using the result
- Monthly salary. Tap “a year” to switch to “a month” and type your monthly gross pay.
- Pay rise. Try your current salary and the new one: the percentage calculator then shows how much more you take home in percentage terms.
- Hourly pay. To turn an hourly rate into a yearly salary before tax, use the hourly to salary calculator, then bring the yearly figure here.
- Budget. With your monthly take-home pay, the loan calculator shows what a monthly payment would leave you.
Your salary and options stay in your browser and are never sent to a server. Share gives a link that reopens the same calculation, student loan and pension included.