jobs abroad
Remote jobsGross to net salary calculator
Enter the salary from the job offer and see what lands in your account each month after income tax and National Insurance under the 2026/27 rules.
- The figures behind it · Personal allowance
- £12,570
- Basic / higher / additional rate
- 20 / 40 / 45 %
- Employee NI
- 8 % to £50,270, then 2 %
- Tax year
- 6 Apr 2026 to 5 Apr 2027
How take-home pay is calculated
Three deductions stand between the gross salary and the money you receive.
- Income tax
- The first £12,570 is tax-free (the allowance shrinks by £1 for every £2 earned above £100,000). The next £37,700 is taxed at 20 %, income up to £125,140 at 40 % and anything above at 45 %.
- National Insurance
- Employees pay 8 % on earnings between £12,570 and £50,270 a year and 2 % above that. Your employer pays a further 15 % on everything above £5,000, which is why the total employer cost is shown too.
- Workplace pension
- If you are auto-enrolled, 5 % of qualifying earnings (£6,240 to £50,270) comes off before tax and the employer adds 3 %. Switch it on to see the effect.
HMRC: rates and thresholds for employers 2026 to 2027
Rule set 2026/27, last checked on October 12, 2026.
The result is an estimate based on the statutory rules. Your contract, collective agreement or tax code may change the figures. It is not tax or legal advice.
Frequently asked questions
What is the take-home pay on a £35,000 salary?
- About £2,393 a month in 2026/27: £4,486 income tax and £1,794 National Insurance come off the £35,000, leaving £28,720 a year before any pension contribution.
Why does my payslip differ from the calculator?
- Tax codes other than 1257L, student loan repayments, salary sacrifice, benefits in kind, Scottish tax bands or pay spread unevenly over the year all change the monthly figure. The calculator applies the standard rules to an even annual salary.
Does the calculator include student loans?
- Not yet. Plan 2 repayments are 9 % of income above the plan threshold, so subtract that from the net figure if you repay a loan.
What next?
Know what you are worth? Browse the latest jobs and compare offers with your figures in hand.
Other calculators
Net to gross salary calculator
The gross salary to negotiate so a given net lands in your account.
Calculate →Hourly to monthly salary calculator
An hourly rate as a weekly, monthly and annual figure, from your hours per week.
Calculate →Overtime pay calculator
Your hourly rate from the salary and what the extra hours pay at your contract's premium.
Calculate →Holiday pay calculator
What a day of leave is worth and what your unused holiday pays out.
Calculate →Freelance hourly rate calculator
The hourly and day rate you need to charge to take home what you want.
Calculate →Total employer cost calculator
Gross salary plus employer National Insurance and pension: the real cost of a hire.
Calculate →Cost per hire calculator
Advertising, agency fees, recruiter time and onboarding divided by the hires they produce.
Calculate →Employee turnover cost calculator
How many people leave each year and what replacing them really costs.
Calculate →VAT calculator
Add VAT to a net price or strip it from a gross one at the UK rates.
Calculate →Recruitment agency margin calculator
Pay rate, on-costs and bill rate: the markup and margin on every placed worker.
Calculate →Client bill rate calculator
The hourly rate to quote a client so the margin you want is left after the worker's full cost.
Calculate →Placement fee calculator
The fee a permanent placement earns, what the search cost, and the profit it leaves.
Calculate →