Tax calculators
UK Salary Calculator
Enter your gross salary to see your Income Tax, National Insurance and take-home pay for the year, month and week — with a full breakdown of every band used.
Estimated take-home pay
£28,720
per year
£2,393 per month · £552 per week
Annual summary
- Gross salary
- £35,000
- Income Tax
- -£4,486
- Employee National Insurance
- -£1,794
- Total deductions
- -£6,280
- Take-home pay
- £28,720
- Effective deduction rateTotal deductions as a share of gross pay
- 17.9%
Allowances
- Personal Allowance
- £12,570
- Taxable income
- £22,430
Income Tax band by band
| Band | Rate | Amount | Tax |
|---|---|---|---|
| Basic rate | 20.00% | £22,430.00 | £4,486.00 |
National Insurance band by band
| Band | Rate | Amount | Tax |
|---|---|---|---|
| Earnings between £12,570 and £50,270 | 8.00% | £22,430.00 | £1,794.40 |
Where your salary goes
- Take-home pay — £28,720 (82%)
- Income Tax — £4,486 (13%)
- National Insurance — £1,794 (5%)
These calculations are estimates based on the information entered and the tax rates and assumptions shown. They are intended as a general guide and do not constitute tax advice. Your actual tax position may differ depending on your circumstances, reliefs, other income and applicable tax rules.
About this tool
What the salary calculator does
The UK salary calculator turns a gross annual salary into the amount that actually reaches your bank account. It deducts Income Tax, employee Class 1 National Insurance and, if you choose, a pension contribution and student loan repayments, then shows the result annually, monthly and weekly.
It is useful when you are weighing up a job offer, checking whether a pay rise is worth what it looks like on paper, or working out whether a pension contribution is affordable. Employers often use it alongside our employee cost calculator to see both sides of the same salary.
Method
How the calculation works
Your Personal Allowance is deducted first. Whatever is left is taxed in order through the basic, higher and additional rate bands. National Insurance is calculated separately, on earnings rather than taxable income, so the two sets of thresholds do not line up.
For 2026/27, the Personal Allowance is £12,570, the basic rate of 20% applies to the first £37,700 of taxable income, the higher rate of 40% applies up to £125,140 of taxable income, and the additional rate of 45% applies above that.
Employee National Insurance on category A is charged at 8% on earnings between £12,570 and £50,270, and at 2% above that.
Above £100,000 the Personal Allowance is withdrawn at £1 for every £2 of income, which creates an effective marginal rate of 60% between £100,000 and £125,140.
Worked example
A £60,000 salary in 2026/27
On a salary of £60,000 with no pension or student loan, the full Personal Allowance of £12,570 is available, leaving £47,430 of taxable income. The first £37,700 is taxed at 20% (£7,540) and the remaining £9,730 at 40% (£3,892), giving Income Tax of £11,432.
National Insurance is charged at 8% on the £37,700 between the primary threshold and the upper earnings limit (£3,016), plus 2% on the £9,730 above it (£194.60) — £3,210.60 in total.
Take-home pay is therefore £60,000 less £14,642.60, or £45,357.40 a year — about £3,779.78 a month.
Assumptions
What this calculator assumes
It assumes a full tax year on a cumulative basis, a standard tax code with no adjustments, no taxable benefits in kind, no other income unless you enter it, and that you are not a Scottish taxpayer. It does not model the Marriage Allowance, the High Income Child Benefit Charge, or tax already deducted under a previous employment.
If any of those apply to you, the figure here is a starting point rather than an answer. Our Self Assessment service covers the cases where a salary is only part of the picture, and our payroll service handles PAYE for employers.
Rates and assumptions
What this calculator uses
- Tax year shown
- 2026/27
- Geographical scope
- England, Wales and Northern Ireland
- Rates last reviewed
- 19 September 2026
- Source of rates
- HMRC / GOV.UK
Official guidance
- Income Tax rates and Personal Allowances (GOV.UK)
- Rates and thresholds for employers (GOV.UK)
- National Insurance rates and categories (GOV.UK)
- Repaying your student loan (GOV.UK)
These calculations are estimates based on the information entered and the tax rates and assumptions shown. They are intended as a general guide and do not constitute tax advice. Your actual tax position may differ depending on your circumstances, reliefs, other income and applicable tax rules.
Questions
Common questions
This calculator works on a full tax year at a time. Your payslip uses your tax code, your pay to date and the month of the year, so a mid-year pay rise, a change of job, taxable benefits, or an emergency tax code will all move the monthly figure away from a simple annual average.
Want your payslips and PAYE handled properly?
We run payroll for employers across Scunthorpe and North Lincolnshire, and we can check an individual tax code or coding notice for you.
Related services
Services that work alongside this
- Explore payroll
Fully managed payroll with RTI filing, pension auto enrolment and payslips delivered on schedule, every period.
- Explore self assessment tax returns
Returns prepared and filed for sole traders, directors, landlords and higher earners — early, accurate and with the reliefs claimed.