Salary take-home calculator 2026/27
Type in a salary and see what actually lands in your bank account each month, and what it costs the business employing you. Every deduction is explained in plain English, and every number shows its working.
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Your pay before anything is taken off: the figure on your contract or job offer.
Where to find it
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Most employees are put into a pension automatically once they earn over £10,000 a year.
Of your salary. Minimum 5%.
Of your salary. Minimum 3%.
Which one do I have?
Salary sacrifice: you agree to a slightly lower salary and your employer pays the difference into your pension for you. Because your salary is lower, both you and your employer pay less National Insurance, so you end up with a bit more in your pocket. Not sure which you have? If the gross pay on your payslip is lower than your contracted salary, it is probably salary sacrifice. Otherwise choose Standard.
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Repayments are taken automatically from your pay once you earn over your plan's threshold: 9% of everything above it. Your plan depends on when and where you studied.
Repaid at 6% of pay above £21,000, on top of any undergraduate loan.
Tailor it to you: bonus, company car, benefits, other income, children, Scottish tax
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Any extra one-off pay, such as a Christmas or performance bonus. It is taxed like normal pay. Leave at 0 if none. We assume no pension is taken from it.
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Leave at 0 if you do not have a company car. The P11D value is what the car cost new, including VAT, delivery and any optional extras, but not the first registration fee or road tax. It is not what your employer actually paid for it.
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HMRC taxes you on a percentage of the car's value every year, as if it were extra salary. The percentage depends on the car's CO2 emissions: fully electric cars are 4% in 2026/27; plug-in hybrids are 4% to 16% depending on their electric-only range; petrol and diesel cars are 17% to 37% depending on CO2, with 4% more for older diesels that do not meet the RDE2 standard (still capped at 37%).
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Anything your employer gives you that is not cash, such as private medical insurance, a gym membership or a fuel card. Leave at 0 if none.
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Income outside this job, such as a second job, a pension in payment or rent from a property. HMRC taxes it alongside your salary, so it can push your salary into a higher band and counts towards the Child Benefit charge. We show only the extra tax your salary carries as a result; the tax on the other income itself is collected separately. Leave at 0 if none.
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Child Benefit is a payment for parents of children under 16 (or under 20 if still in education). If you or your partner earn over £60,000 a year, some of it is taken back through tax, and all of it once you earn £80,000. Only the higher earner's income counts. Pension contributions reduce the income that is counted.
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Scotland sets its own Income Tax bands. Choose Scotland if your tax code starts with an S. National Insurance is the same everywhere.
- Tax year 2026/27. Other income is taxed alongside your salary; we show the extra tax it causes on your salary, not the tax on the other income itself. Tax codes are applied as a simple allowance; HMRC uses them slightly differently in payroll, so pennies may differ.
- Pension percentages apply to your whole basic salary, as most schemes do. Some schemes use a narrower band of earnings.
- NI is worked out on an annual basis; a bonus paid in one month can attract slightly different NI for monthly-paid employees.
- Benefits in kind carry Income Tax for you and 15% Class 1A NI for the employer, but no employee NI.
- Figures are worked to the penny: each amount is rounded to the nearest penny as it is calculated, and every later figure is built from those amounts, so every line adds up exactly. HMRC's own systems may round some figures down to whole pounds, which can differ by a few pence. Illustrative, not advice.
Employee
What you take home
per month on average, £28,719.60 a year
- Gross salary
- £35,000.00
- Bonus
- £0.00
- Taxable benefits in kind
- £0.00
- Income Tax
- £4,486.00
- National Insurance
- £1,794.40
- Your pension
- £0.00
- Student loan
- £0.00
- Child Benefit charge
- £0.00
- Take-home
- £28,719.60
- Of which bonus, after deductions
- £0.00
Employer
What it costs the business
per month on average, £39,500.00 a year
- Gross salary and bonus
- £35,000.00
- Employer NI (15% above £5,000)
- £4,500.00
- Class 1A NI on benefits (15%)
- £0.00
- Employer pension
- £0.00
- Total cost
- £39,500.00
On top of your salary, the employer pays its own National Insurance and pension contributions, so employing someone costs more than their pay. Excludes the cost of providing any benefits themselves. Businesses can knock up to £10,500 a year off their total employer NI through the Employment Allowance; it is not applied per employee here.
Show the workings
Your take-home
Marginal rate: £1,000 more salary would leave you £720.00 better off, so you keep 72p of each extra £1.