01
Pay & working hours
Turn an hourly rate, pay rise or second job into a clearer payday.
Made for the 2026/27 tax year
UK after tax calculator
Your salary.
After tax, simply.
A clearer picture of your payday. See what’s left after Income Tax, National Insurance, student loans and pension contributions.
Free to use No sign-up Calculated in your browser
An example payday£35,000 annual salary2026/27
Monthly take-home£2,393.30That’s £28,719.60 over the year.
Take-home£2,393.30/mo
Income Tax£373.83/mo
National Insurance£149.53/mo
England, Wales & NI · 1257L · No pension or student loan
The numbers behind your next move.
After Tax Calculator UK
Calculate Your Take Home Pay
Enter your gross income below to instantly calculate your net pay after income tax, National Insurance and other UK deductions.
Your Take Home Pay
£28,719.60
per year
£2,393.30
Monthly
£552.30
Weekly
£110.46
Daily
Full Breakdown
Gross Income
£35,000.00Personal Allowance(0% tax-free)
£12,570.00Income Tax(annual estimate)
− £4,486.00National Insurance(Class 1 NICs)
− £1,794.40Total Deductions
− £6,280.40Effective Tax Rate17.9%
Estimate: 2026/27 employment income in England, Wales or Northern Ireland, using the selected tax code. Hourly pay assumes 40 hours a week for 52 weeks; daily pay assumes 260 days. Pension input models salary sacrifice. Payroll rounding, irregular pay and benefits can change actual deductions.
Whatever’s next
The right tool for your next question.
From a new job to a new home, start with the numbers.
02
Payslips & tax codes
Make sense of your deductions and explore a possible overpayment.
03
Working for yourself
Explore the tax on freelance profits, or a company salary and dividends.
04
Home & bigger decisions
Put some numbers behind a property purchase, household bill or life change.
Put a salary into perspective
What does that look like after tax?
Compare a few annual salaries. Find the monthly number that matters to you.
£25,000
gross per year
£1,793take-home / month
See the breakdown
£30,000
gross per year
£2,093take-home / month
See the breakdown
£35,000
gross per year
£2,393take-home / month
See the breakdown
£40,000
gross per year
£2,693take-home / month
See the breakdown
£50,000
gross per year
£3,293take-home / month
See the breakdown
£60,000
gross per year
£3,780take-home / month
See the breakdown
£75,000
gross per year
£4,505take-home / month
See the breakdown
£100,000
gross per year
£5,713take-home / month
See the breakdown
2026/27 estimates for England, Wales and Northern Ireland. Standard 1257L tax code, no pension or student loan. Use Scottish rates
Less guesswork. More clarity.
From gross to net in a few moments.
No spreadsheets. Just your pay and a few details.
STEP 01
Start with your pay
Enter your gross income by year, month, week, day or hour.
STEP 02
Make it yours
Add your student-loan plan and salary-sacrifice pension percentage.
STEP 03
See the full picture
Explore your take-home pay and a clear breakdown of deductions.
The details matter
Simple on the surface.
Thoughtful underneath.
Understand what comes out of your pay, with assumptions you can actually read.
How we check our informationTax & National Insurance
2026/27 employment estimates, including the Personal Allowance taper.
Student-loan repayments
Select Plan 1, 2, 4, 5 or Postgraduate to include an estimated repayment.
Pension contributions
See how a salary-sacrifice pension changes your take-home pay.
Your numbers stay here
The calculator runs in your browser. No account or email needed.
A little more understanding
Make sense of the money bits.
Plain-English guides to the rules behind your pay.
Your payslip
A small code. A big part of your pay.
Understand 1257L, BR, 0T and what a change of tax code can mean.
Read the guide
Higher earnings
What happens when you earn over £100k?
How the Personal Allowance taper changes the tax on your next pound.
Read the guide
Student finance
Get to know your student-loan plan.
The repayment thresholds, rates and differences between the plans.
Read the guideWant to check the rules yourself? Start with GOV.UK Income Tax rates and National Insurance rates.
Let’s clear things up
Good questions.
Clear answers.
Tax can feel complicated. Here are a few things that help it make sense.
Have another question?Frequently asked questions
The essentials about your UK take-home pay.
An after tax calculator UK is a free online tool that calculates your net take-home pay from your gross income. It deducts income tax, National Insurance contributions, student loan repayments, and pension contributions using official 2026/27 HMRC rates.
Your next payday, a little clearer
Ready to run your numbers?
Start with your salary. We’ll take care of the breakdown.