Why does this differ from my payslip?

Payslips use your actual tax code and pay period, and PAYE spreads allowances across the year. This calculator assumes a standard tax code and even pay, so a one-off month, a code change or a backdated adjustment will produce a different figure.

How is a pension contribution treated?

The contribution is taken off your gross pay before income tax is estimated, which matches a salary sacrifice or net pay arrangement. Relief-at-source schemes work differently and can produce a slightly different result.

Does Scotland use different rates?

Scotland sets its own income tax bands and rates on earned income. National Insurance and student loan repayments are the same across the UK.

Salary after tax calculator

Estimate only

Enter your gross pay and we will estimate income tax, National Insurance, pension and student loan deductions, then show your take-home pay across each pay period.

Tax year 2025/26 · rules last reviewed 22 August 2026 · engine v1.0.0 · calculated 16 October 2026

Estimated take-home pay · 2025/26

£27,460

£2,288 a month · 21.5% of gross deducted

Per year: £27,460
Per month: £2,288
Per week: £528.07
Per hour: £14.08

Annual summary

Gross salary (including bonus)£35,000.00

Pension contribution− £1,750.00

Personal allowance applied£12,570.00

Income tax− £4,136.00

National Insurance− £1,654.40

Student loanNo plan selected− £0.00

Other deductions− £0.00

Estimated take-home pay£27,459.60

Take-home 78.5%
Income tax 11.8%
National Insurance 4.7%
Pension 5.0%

How your income tax was built up

Basic rate (20%)on £20,680.00 of earnings£4,136.00

Effective tax + NI rate on gross pay16.5%

Marginal rate on your next £137.5 hours a week assumed28%

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How this calculator works

Your pay is converted to an annual figure, and any bonus is added to it.
Pension contributions are removed first, giving the earnings we tax.
The personal allowance for 2025/26 is £12,570, reduced by £1 for every £2 of income above £100,000.
Income tax is applied band by band using the rates for the location you chose.
Employee National Insurance and any student loan repayment are estimated on the same earnings.
Anything left is your estimated take-home pay, shown annually, monthly, weekly and hourly.

Assumptions

You are aged under State Pension age and pay Class 1 employee National Insurance where relevant.
You have the standard tax code with no adjustments, restrictions or underpayments carried forward.
Income is spread evenly across the tax year, so no month-by-month PAYE smoothing effects are modelled.
No other taxable income, taxable benefits in kind, salary sacrifice arrangements or Marriage Allowance transfers are included unless entered.
Pension contributions are treated as a net pay (salary sacrifice equivalent) deduction taken before income tax is applied.

Limitations

Benefits in kind, company cars, taxable expenses and non-standard tax codes are not modelled.
Relief-at-source pension schemes and salary sacrifice for non-pension benefits are treated the same way.
Mid-year pay changes, multiple jobs and irregular pay periods are not modelled.

Sources for 2025/26

This calculator estimates figures from what you entered and the published rates for 2025/26. Your actual position depends on your tax code, your employer's payroll, other income and reliefs. This is not tax advice — you may wish to seek professional advice. See our calculation methodology.

Questions about salary after tax calculator

Why does this differ from my payslip?: Payslips use your actual tax code and pay period, and PAYE spreads allowances across the year. This calculator assumes a standard tax code and even pay, so a one-off month, a code change or a backdated adjustment will produce a different figure.
How is a pension contribution treated?: The contribution is taken off your gross pay before income tax is estimated, which matches a salary sacrifice or net pay arrangement. Relief-at-source schemes work differently and can produce a slightly different result.
Does Scotland use different rates?: Scotland sets its own income tax bands and rates on earned income. National Insurance and student loan repayments are the same across the UK.