How much will actually land in your bank account? Enter your gross salary to see your net take-home pay after Income Tax and National Insurance — broken down by year, month and week for 2026/27.
England, Wales & Northern Ireland · 2026/27
Your take-home pay — sometimes called net pay — is what's left after the two big statutory deductions: Income Tax and National Insurance. Everything starts from your gross salary, and each deduction is applied to a different slice of it.
Add a workplace pension and your taxable pay falls, so you keep more of each pound than the headline contribution suggests. Student loan repayments, if you have them, come off on top.
On £35,000 you keep roughly 81% as take-home, before any pension contributions.
Adding even a 5% pension would cut your taxable pay and push more into long-term savings — model it with the field above or the pension calculator.
About £24,968 a year, roughly £2,081 a month. That's after around £3,486 Income Tax and £1,386 National Insurance, before pension or student loan.
Take your gross salary, subtract Income Tax (20% above £12,570, 40% above £50,270), then subtract employee NI (8% from £12,570 to £50,270, 2% above). What's left is your net take-home pay.
Most basic-rate earners keep around 75–83% of gross. The share falls as you earn more, because higher-rate tax and the £100,000 allowance taper take more of each extra pound.
Not by default. To include Plan 1, 2, 4, 5 or postgraduate repayments, use the full salary calculator.