WageTake-home pay calculator
Enter any salary to see your income tax, National Insurance, student loan and pension, and what actually lands in your bank. Switch between England/Wales/NI and Scotland, and between the 2026-27 and 2025-26 tax years.
Your take-home pay
| 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.
Income tax bands used
| Band | Rate | Taxable income (gross) |
|---|---|---|
| Personal Allowance | 0% | £0 – £12,570 |
| Basic rate | 20% | £12,571 – £50,270 |
| Higher rate | 40% | £50,271 – £125,140 |
| Additional rate | 45% | over £125,140 |
National Insurance
| Earnings band | Rate |
|---|---|
| Up to £12,570 (primary threshold) | 0% |
| £12,570 to £50,270 (upper earnings limit) | 8% |
| Over £50,270 | 2% |
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General information, not advice. Estimates assume the standard 1257L tax code and typical circumstances; your payslip may differ by a pound or two because HMRC payroll software truncates at each step. Verify with HMRC or an accountant for any decision. WageReckon stores no salary data - the calculators run in your browser.
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.