Take-home pay after Income Tax, National Insurance, student loan and pension, worked out the way payroll does it.
Enter your salary, adjust the settings and see the results in the summary below.
Enter how much you earn per year
Overtime may count as qualifying earnings for your workplace pension. GOV.UK overtime and minimum wage
Use these features to customise the calculations to your circumstances. The highlighted sections indicate that an adjustment has been made.i
Options applied:none
| Row | YearlyFull year | Monthly | Weekly |
|---|---|---|---|
| i | £35,000.00 | £2,916.67 | £673.08 |
| Salaryi | [£35,000.00] | [£2,916.67] | [£673.08] |
| Taxable payi | [£35,000.00] | [£2,916.67] | [£673.08] |
| Personal Allowancei | [£12,570.00] | [£1,047.50] | [£241.73] |
| i | £4,486.00 | £373.83 | £86.27 |
| National Insurancei | £1,793.88 | £149.49 | £34.50 |
| Student loani | - | - | - |
| Pension (you pay)i | - | - | - |
| Take-home payi | £28,720.12 | £2,393.35 | £552.31 |
| Employer National Insurancei | [£4,499.40] | [£374.95] | [£86.53] |
| Total employment costi | [£39,499.40] | [£3,291.62] | [£759.61] |
61st percentile
You're in the 61st income band
Personal Allowance 0%Basic rate 20%Higher rate 40%Additional rate 45%60% zone
You £0, employer £0; allowance £60,000.
Adjust salary (per year): £35,000.00i
20% Income Tax + 8% National Insurance
of your pay goes in tax, National Insurance and student loan.
Nothing to flag for these figures.
Payroll collects £2.00 too little tax, which you would owe.i
You probably do not need a Self Assessment return.
Extra tax due through Self Assessment: £2.00
Take-home after year-end adjustments: £28,720.12 a year.
Add a bonus paid in one month to compare that payslip with an ordinary one.
| Salary and pay | £35,000.00 |
| Employer National Insurance | £4,499.40 |
| Total employment cost | £39,499.40 |
| Tax period | Pay date | Gross pay | Taxable pay | Income Tax | NI | Student loan | Pension | Take-home |
|---|---|---|---|---|---|---|---|---|
| Month 1 | 30/04/2026 | £2,916.66 | £2,916.66 | £373.60 | £149.49 | £0.00 | £0.00 | £2,393.57 |
| Month 2 | 31/05/2026 | £2,916.67 | £2,916.67 | £373.60 | £149.49 | £0.00 | £0.00 | £2,393.58 |
| Month 3 | 30/06/2026 | £2,916.67 | £2,916.67 | £373.80 | £149.49 | £0.00 | £0.00 | £2,393.38 |
| Month 4 | 31/07/2026 | £2,916.66 | £2,916.66 | £373.60 | £149.49 | £0.00 | £0.00 | £2,393.57 |
| Month 5 | 31/08/2026 | £2,916.67 | £2,916.67 | £373.80 | £149.49 | £0.00 | £0.00 | £2,393.38 |
| Month 6 | 30/09/2026 | £2,916.67 | £2,916.67 | £373.60 | £149.49 | £0.00 | £0.00 | £2,393.58 |
| Month 7 | 31/10/2026 | £2,916.66 | £2,916.66 | £373.60 | £149.49 | £0.00 | £0.00 | £2,393.57 |
| Month 8 | 30/11/2026 | £2,916.67 | £2,916.67 | £373.80 | £149.49 | £0.00 | £0.00 | £2,393.38 |
| Month 9 | 31/12/2026 | £2,916.67 | £2,916.67 | £373.60 | £149.49 | £0.00 | £0.00 | £2,393.58 |
| Month 10 | 31/01/2027 | £2,916.66 | £2,916.66 | £373.80 | £149.49 | £0.00 | £0.00 | £2,393.37 |
| Month 11 | 28/02/2027 | £2,916.67 | £2,916.67 | £373.60 | £149.49 | £0.00 | £0.00 | £2,393.58 |
| Month 12 | 31/03/2027 | £2,916.67 | £2,916.67 | £373.60 | £149.49 | £0.00 | £0.00 | £2,393.58 |
It follows the method HMRC publishes for employers: income tax is built up cumulatively from your tax code, National Insurance is worked out afresh on each pay day, and student loan is taken from pay above the plan threshold. Results should match a payslip to within a few pence, but a real payslip can differ if your tax code, pension scheme or pay dates are not what you entered.
PAYE tools for employersIncome tax on a payslip looks at everything you have earned so far this tax year and the allowance you have used, so one low month can be balanced by a high one. National Insurance looks at each pay day on its own, so a bonus month can cost more NI than the same money spread across the year.
National Insurance rates and lettersThe annual column is the result for the whole tax year, as Self Assessment would see it. The monthly and weekly columns are averages of the same year, while your payslip works period by period. Tax code adjustments, bonuses, pension method and the National Insurance thresholds each pay day can move a single payslip away from the average, and the differences settle over the year.
Understand your tax codeThe tax year is 52 weeks and one or two days, so some years contain an extra pay day if you are paid weekly, every two weeks or every four weeks. HMRC taxes that extra payment on the first-period basis, which can mean more tax comes off that one payslip. Set your first pay date in the settings to see whether your year has the extra period.
Rates and thresholds for employersYou do not need an app store. This site can be installed straight from your browser and then opens in its own window and works offline.
On a computer with Chrome or Edge, choose the install icon in the address bar and then Install. On an iPhone or iPad, open the Share menu in Safari and choose Add to Home Screen. On Android, open the browser menu and choose Install app.
Install a web app in ChromeIncome tax rises in steps as you earn more. Pick a category and a tax year to see the bands, then move the slider to see the tax and the rate on your next pound. Read more about how UK income tax works.
England, Wales and Northern Irelandi
| Income | Tax liability | Tax rate |
|---|---|---|
| £0 - £12,570i | Nil | 0% |
| £12,571 - £50,270i | 20p for every £1 over £12,570 | 20% |
| £50,271 - £125,140i | £7,540 plus 40p for every £1 over £50,270 | 40% 60% from £100,000 to £125,140 |
| Over £125,140i | £42,516 plus 45p for every £1 over £125,140 | 45% |
Between £100,000 and £125,140 the Personal Allowance is withdrawn as you earn more, so the effective rate on each extra pound is 60%.
Inflation is how quickly prices rise. A useful measure of it is the Consumer Prices Index (CPI): when prices rise, the same pay buys less, so pay has to rise at least as fast to keep your standard of living. CPI history comes from the Office for National Statistics and the forecast from the Bank of England Monetary Policy Report. Average earnings growth, from the ONS average weekly earnings release, is shown so you can compare pay with the cost of living.
Use this calculator to see what inflation has done to your pay in real terms. Enter the month of your last pay rise and the month to compare with, and find out how your salary has held up.
Between Oct 2023 and Oct 2026 inflation is projected to have caused your salary to effectively fall by £2,978. To maintain your real income, your salary should increase to £38,254, or by 9.30%.
£35,000
Income since Oct 2023
£38,254
▲ £3,254
Inflation adjusted incomei
£32,022
▼ £2,978
Effective incomei
Source: Office for National Statistics, CPI INDEX 00: ALL ITEMS 2015=100 (series D7BT, dataset MM23, Consumer price inflation time series). Release of 16/09/2026, data to August 2026. Retrieved 19/10/2026.
Source: Office for National Statistics, Average weekly earnings, whole economy, seasonally adjusted regular pay excluding arrears: level in pounds (KAI7) and year-on-year three month average growth (KAI9), dataset LMS. Release of 15/09/2026, data to July 2026. Retrieved 19/10/2026.
Source: Bank of England, Monetary Policy Report, July 2026: central projection for CPI inflation conditioned on market interest rates (Projections Databank sheet 1, four-quarter change in CPI, ONS series D7G7) and for private sector regular pay (sheet 36, ONS series KAJ2). Published 30 July 2026. Retrieved 19/10/2026.
CPI data runs to Aug 2026. The projection uses the Bank of England central path and should be regarded as an estimate only.
This chart shows how your income compares with other UK taxpayers. It uses HM Revenue and Customs Survey of Personal Incomes percentile points. Taxpayers are split into 100 equal-sized groups by income, and the chart compares 2023 to 2024 with 2013 to 2014. Only people who pay Income Tax are included.
| Percentilei | 61st percentile |
|---|---|
| Income Rangei | £34,500 to £35,000 |
| In 2013 to 2014i | £25,600 to £26,100 |
| Tax Burdeni | about £4,100 income tax paidabout 0.59% of all Income Tax |
Source: HM Revenue and Customs, Percentile points from 1 to 99 for total income before and after tax (Table 3.1a), Survey of Personal Incomes. Tax years 2023 to 2024 and 2013 to 2014 (table last updated April 2026). Retrieved 19/10/2026.
Source: HM Revenue and Customs, Shares of total Income Tax liability for percentile groups (Table 2.4), Survey of Personal Incomes. Tax year 2023 to 2024 outturn (table last updated July 2026). Retrieved 19/10/2026.
Data for 2023 to 2024 is currently the most recent HMRC table with a full set of percentile points.
The table below shows the top 3 areas of public spending. Based on your Income Tax and National Insurance of £6,279.88, the amount for each is relative to your contribution.
Source: HM Revenue and Customs, How public spending was calculated in your tax summary (Annual Tax Summary), PESA public expenditure data for the tax summary headings. 2024-25 headings, guidance updated 4 March 2026. Retrieved 19/10/2026.
Repayments come out of your pay once your income passes the threshold for your plan. Choose your plan to see what it costs at different incomes, then use the calculator to see when the loan clears or is written off. See every plan explained.
| Plan | Annual threshold | Repayment rate |
|---|---|---|
| Plan 1 | £26,900 | 9% |
| Plan 2 | £29,385 | 9% |
| Plan 4 | £33,795 | 9% |
| Plan 5 | £25,000 | 9% |
| Postgraduate Loan | £21,000 | 6% |
Work out how long your loan will take to clear. Enter what you owe today and your current pay. The projection assumes the repayment threshold stays where it is and interest builds monthly, so treat the dates as a guide.
Parents who work can get Tax-Free Childcare: the government tops up your childcare account so that it covers 20% of your bill, up to a yearly limit for each child. Add your children below to see what childcare costs and how much of it you could get back. Providers are paid directly from the account.
| Total per | Childcare cost |
|---|---|
| Week | £0.00 |
| Fortnight | £0.00 |
| Month | £0.00 |
| Academic year (39 weeks) | £0.00 |
| Working year (48 weeks) | £0.00 |
| Full year (52 weeks) | £0.00 |
The top-up is capped at £2,000 a year for each child (£4,000 if disabled). Children are covered up to age 11 (16 if disabled); older children are left out of this estimate.
On these figures you do not meet the income conditions for funded childcare hours in England, though some children qualify for other reasons. Funded hours are separate from Tax-Free Childcare and can often be used together.
Tax-Free Childcare on GOV.UKFunded hours on GOV.UKAll help with childcare costsStudent loans
See which plan you are on, what you repay at different incomes and when your loan clears or is written off.
Student loansIncome tax
Compare England, Scotland, non-resident and emergency-code tax, and see where the Personal Allowance is withdrawn.
Tax bandsContact us
If you have a question about the calculations, have found a mistake or have a suggestion, send an email.
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