See exactly what lands in your bank account. Enter your salary, an optional pension percentage and your student loan plan, and we deduct Income Tax, National Insurance and repayments to show your net annual and monthly pay for 2026/27.
England, Wales & Northern Ireland · 2026/27
Your gross salary is rarely what you take home. Between the figure on your contract and the money in your account sit several deductions, each calculated on a different base. Understanding the order helps explain why a pay rise sometimes feels smaller than expected.
Green = take-home, blue = Income Tax, amber = National Insurance. Roughly three-quarters of a £35k salary is kept before pension or loan deductions.
A pension contribution is unusual among deductions: although the money leaves your pay, it lands in your retirement pot, and it reduces the income on which you pay tax. A higher-rate taxpayer effectively gets 40% relief, so £100 in the pension costs only £60 of net pay. Model the long-run effect with the pension calculator or the dedicated pension contribution calculator.
On a £35,000 salary with a 5% pension and no student loan:
If you also repay a student loan, choose your plan above to see the additional 9% (or 6%) deducted on income over the threshold — the same logic our student loan repayment calculator uses.
Around £28,700 a year (about £2,393 a month) after Income Tax and National Insurance, before any pension or student loan. Add those and the calculator updates instantly.
Income Tax and employee NI for everyone above the thresholds, plus optional pension contributions and any student loan repayments.
It reduces taxable income, so you pay less tax. The money still leaves your pay but goes into your pension — see the pension calculator.
Yes — 9% (or 6% postgraduate) on income above the plan threshold, deducted through PAYE. Choose your plan above to include it.