Take-Home Pay Calculator

Last updated: April 2026

Your Salary

Gross annual salary

Region

Student loan

Not sure which plan? Check your loan statement or student finance account.

Pension Contribution

Pension percentage

5% of salary

Relief at sourceMost workplace pensions use relief at source. Your pension provider adds 20% tax relief to your contributions automatically.

Take-Home Pay

Annual take-home: £27,669.60

£2,305.80

Monthly take-home

Weekly take-home: £532.11

Deductions Breakdown

Gross salary£35,000.00

Income tax-£4,136.00

National Insurance-£1,794.40

Pension contribution-£1,400.00

Student loan (No student loan)-£0.00

Take-home pay£27,669.60

Tax Rate Summary

Effective tax rate16.94%

Marginal tax rate28.00%

Personal allowance£12,570

Visual Breakdown

79%

12%

Navy: take-home payGold: income taxGrey: NI and pensionRed: student loan

Pension tax relief

Your £1,750.00 pension contribution only costs you £1,400.00 because the government adds £350.00 in tax relief.

Tax Band Breakdown

BandRateIncome in bandTax

Personal allowance0%£12,570£0.00

Basic rate20%£20,680£4,136.00

Higher rate40%£0£0.00

Additional rate45%£0£0.00

What would you take home at different salaries?

SalaryMonthlyTaxNIEffective

£25,000£1,730.80£2,236.00£994.4012.92%

£30,000£2,018.30£3,186.00£1,394.4015.27%

£35,000£2,305.80£4,136.00£1,794.4016.94%

£40,000£2,593.30£5,086.00£2,194.4018.20%

£50,000£3,168.30£6,986.00£2,994.4019.96%

£60,000£3,679.78£10,232.00£3,210.6022.40%

How is take-home pay calculated?

Your take-home pay is your gross salary minus income tax, National Insurance contributions, any pension contributions, and student loan repayments. Income tax is calculated on your salary above the personal allowance of £12,570. National Insurance is charged at 8% on earnings between £12,570 and £50,270, and 2% above that.

Why is Scottish income tax different?

Scotland has its own income tax rates set by the Scottish Parliament, which differ from the rest of the UK. Scotland has more bands, including a starter rate of 19%, an intermediate rate of 21%, and a higher rate of 42%. National Insurance rates are the same across the UK.

What is the personal allowance?

The personal allowance is the amount of income you can earn each year before paying income tax. In 2025/26 it is £12,570. If your income exceeds £100,000, your personal allowance is gradually reduced by £1 for every £2 earned above £100,000, and is fully withdrawn at £125,140.

How does pension tax relief work?

Most workplace pensions use the relief at source method. You contribute from your net pay, and your pension provider claims 20% basic rate tax relief from HMRC and adds it to your pot. Higher rate taxpayers can usually claim extra relief through self-assessment.

Which student loan plan am I on?

Plan 1 applies if you started university before September 2012. Plan 2 applies if you started between September 2012 and July 2023. Plan 5 applies if you started from August 2023 onwards. Scottish students repay under Plan 4, and postgraduate loans have separate terms.