UK Take-Home Pay Calculator

Find out exactly how much of your salary you keep after income tax, National Insurance, student loan repayments, and pension contributions.

Your details

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Annual gross salary

Student loan plan

Pension contribution: 0%

0%20%

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Your monthly take-home pay

£2,393

£28,720 per year

Annual breakdown

Gross salary£35,000

Income tax-£4,486

National Insurance-£1,794

Net take-home£28,720

Tax rates

Effective tax rate

17.9%

Total deductions as a share of gross pay

Marginal rate

20%

Income tax on your next pound earned

Monthly breakdown

Gross monthly£2,917

Income tax-£374

National Insurance-£150

Net monthly£2,393

This calculator uses 2025/26 UK tax year rates and thresholds. It assumes a standard tax code and does not account for benefits in kind, salary sacrifice arrangements beyond pension, or Scottish/Welsh income tax rates. Pension contributions are treated as salary sacrifice (deducted before tax and NI). Student loan repayments are calculated on gross salary. Results are estimates - for exact figures, check your payslip or speak to a qualified accountant.

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