Take-home pay calculator
See what lands in your account after Income Tax, National Insurance, pension and student loan. Works for the whole UK, including Scotland.
| Year | Month | Week | |
| Salary | £35,000 | £2,917 | £673 |
| Pension | −£1,750 | −£146 | −£34 |
| Income Tax | −£4,136 | −£345 | −£80 |
| National Insurance | −£1,794 | −£150 | −£35 |
| Student loan | −£505 | −£42 | −£10 |
| Take-home pay | £26,815 | £2,235 | £516 |
- You keep 77% of your salary as take-home pay, plus £1,750 a year into your pension.
Know your take-home pay? Our budget planner splits it into needs, wants and savings and tracks the year for you.
See the plannerHow this is worked out
Income Tax is charged above the £12,570 Personal Allowance at 20%, 40% from £50,270 and 45% above £125,140. In Scotland the bands are 19%, 20%, 21%, 42% from £43,663, 45% from £75,001 and 48% above £125,140. Employee National Insurance is the same across the UK: 8% between £12,570 and £50,270, then 2%. Student loans are 9% of pay above your plan's threshold (Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000), and postgraduate loans 6% above £21,000.
An estimate for planning only. It assumes your pension is taken before tax (a "net pay" scheme), a standard 1257L (or S1257L in Scotland) tax code and no taxable benefits. Salary sacrifice or relief-at-source pensions will give slightly different figures. Your payslip is the final word.