WageUK take-home pay calculator, 2026-27
Type a salary and see exactly what lands in your bank: income tax, National Insurance, student loan and pension, for England, Wales and Northern Ireland or for Scotland, on the current 2026-27 HMRC rates. Every number shows its working and names its source.
Take-home pay calculator
| Gross salary | £35,000 |
| Income tax | −£4,486 |
| National Insurance | −£1,794 |
| Take-home pay | £28,720 |
Assumes tax code 1257L, UK rates for 2026-27, and a 5-day, 37.5-hour week for the daily figure. All estimates, not advice.
Popular salaries
- £20,000 after tax
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- £35,000 after tax
- £40,000 after tax
- £45,000 after tax
- £50,000 after tax
- £60,000 after tax
- £70,000 after tax
- £80,000 after tax
- £90,000 after tax
- £100,000 after tax
- £125,000 after tax
- £150,000 after tax
Tools & guides
Take-home calculator
Any salary, pension, student loan, England or Scotland.
Scotland take-home
The Scottish six-band system, salary by salary.
Student loans
Plans 1, 2, 4, 5 and postgraduate repayment thresholds.
Pensions
Net pay, relief at source and salary sacrifice, compared.
Tax codes
1257L, BR, 0T and the rest, decoded on your payslip.
Dividend tax
Salary plus dividends, taxed band by band.
Minimum wage
Every rate by age band, this year and the history.
The 60% tax trap
Why £100k–£125,140 costs so much, and the lever.
Rates for the 2026-27 tax year, current as of 24 July 2026. Source: HMRC (gov.uk). Contains public sector information licensed under the Open Government Licence v3.0. Source: HMRC / gov.uk. See how we calculate.