Your salary after tax, National Insurance, student loan and pension. England, Wales and Northern Ireland.
What this calculator does
Work out your take home pay: your salary after income tax and National Insurance, per year, month, week or day, with student loan, pension, bonus and your tax code. Advanced mode adds taxable benefits, salary sacrifice, payroll giving and the full cost to your employer. For England, Wales and Northern Ireland.
How much tax will I pay on my salary?
In 2026/27 you pay no income tax on the first £12,570 you earn. You pay 20% on earnings from £12,571 to £50,270, 40% from £50,271 to £125,140 and 45% above that. On top of income tax, employees pay 8% National Insurance on earnings between £12,570 and £50,270 and 2% above. For example, on a £35,000 salary you take home about £28,720 a year, or £2,393 a month.
What is take home pay?
Take home pay, also called net pay or salary after tax, is what reaches your bank account after income tax, National Insurance, student loan repayments and any pension contributions taken from your pay.
How much does my employer pay on top of my salary?
Employers pay National Insurance of 15% on your earnings above £5,000 a year in 2026/27, plus any employer pension contribution. Under auto-enrolment, employers must usually pay at least 3% of your earnings between £6,240 and £50,270. Switch the calculator to Advanced to see the full cost to your employer.
When do I start repaying my student loan?
You repay 9% of what you earn over your plan's threshold. In 2026/27 the yearly thresholds are £26,900 for Plan 1, £29,385 for Plan 2, £33,795 for Plan 4 and £25,000 for Plan 5. Postgraduate loans are 6% of earnings over £21,000.
How this is worked out
Income tax uses the standard bands for England, Wales and Northern Ireland: a £12,570 personal allowance, 20% up to £50,270, 40% up to £125,140 and 45% above. The allowance falls by £1 for every £2 of income over £100,000. Employee National Insurance (category A) is 8% between £12,570 and £50,270 and 2% above. Student loans are 9% above the plan threshold (6% for postgraduate loans). Rates are the same in all three tax years shown; only the student loan thresholds change.
Rates last checked against gov.uk on 11 October 2026.
Sources
Income Tax rates and bands ·
National Insurance rates ·
Student loan thresholds
Please note
This is an estimate for information only and is not tax advice. Your payslip can differ because of your tax code, benefits, other income, pay frequency and rounding. In Simple mode, pension is a percentage of salary. In Advanced you can use qualifying earnings instead, which include bonus and overtime.