Indietax

Take-Home Pay Calculator 2026/27

Updated for the 2026/27tax year · Last updated

Enter your gross annual salary and any deductions to see exactly how much you take home — monthly and annually. Toggle the Scotland switch for Scottish income tax rates.

Student loan (tick all that apply)

Annual take-home

£28,720

Monthly take-home

£2,393

ItemAnnual
Gross salary£35,000
Income tax− £4,486
National Insurance− £1,794
Take-home pay£28,720

Effective tax rate (income tax + NI): 17.9%

People also looked at

How this calculator works

The calculator applies 2026/27 HMRC rates in order: first it subtracts your pension contribution from gross salary to get taxable income, then it calculates income tax on that taxable income, then employee Class 1 NI on gross salary (pension doesn’t reduce NI), and finally any student loan repayments on gross income above the plan threshold.

Take-home = Gross salary − Pension contribution − Income tax − NI − Student loan.

Frequently asked questions

The calculator deducts income tax (using the 2026/27 bands), employee Class 1 National Insurance, your pension contribution (which reduces taxable income), and any student loan repayments. Employer NI is not shown — that's a cost to your employer, not a deduction from your pay.
Employee pension contributions under a net pay arrangement reduce your taxable income, so you pay less income tax and NI. A 5% contribution doesn't cost 5% of your gross — the actual cost is lower because of the tax relief.
Check whether you have Scottish tax rates enabled, or whether you've selected a student loan plan. Also note that once your income exceeds £100,000, your personal allowance starts to taper, creating an effective 60% marginal rate between £100,000 and £125,140.
No — employer NI is a cost on top of your salary paid by the employer. The calculator shows only employee-side deductions that reduce your take-home pay.

Related tools