Use our free UK pay calculator to work out your take home pay. Calculate your pay after tax, National Insurance, student loans and pension deductions.
Our pay calculator uses the latest 2025/26 HMRC tax rates and thresholds.
Salary sacrifice reduces tax & NI
| Description | Yearly | Monthly | Weekly |
|---|---|---|---|
| Gross Salary | £35,000.00 | £2,916.67 | £673.08 |
| Personal Allowance | £12,570 | ||
| Income Tax | -£4,136.00 | -£344.67 | -£79.54 |
| National Insurance | -£2,800.00 | -£233.33 | -£53.85 |
| Pension (5%) | -£1,750.00 | -£145.83 | -£33.65 |
| Take Home Pay | £26,314.00 | £2,192.83 | £506.04 |
Enter your annual gross pay (before any deductions) into the pay calculator. This is the total amount your employer pays you before tax.
Choose your tax region (England or Scotland), pension contribution percentage, and any student loan plan you may have.
The pay calculator instantly shows your net pay after all deductions including income tax, National Insurance, and pension contributions.
View your pay breakdown by yearly, monthly, weekly and daily amounts. See exactly where your money goes with our detailed calculations.
Income tax is deducted from your pay based on how much you earn. You have a personal allowance of £12,570 that's tax-free.
National Insurance contributions are taken from your pay to fund state benefits and the NHS.