Calculate your UK take-home pay after income tax and National Insurance. Enter your gross salary and get your net monthly income instantly. Updated for 2026/27 tax year.
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Gross Annual
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Income Tax
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National Insurance
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Pension
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Take-Home Annual
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Take-Home Monthly
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2026/27 UK Tax: Personal Allowance £12,570 | Basic rate 20% (up to £50,270) | Higher rate 40% (up to £125,140) | Additional rate 45% above. National Insurance: 8% on £12,570–£50,270, 2% above. Minimum wage £12.21/hour.
FAQs
On a £35,000 gross salary (tax code 1257L, no pension): Income Tax ≈ £4,486, National Insurance ≈ £1,782. Take-home ≈ £28,732/year or £2,394/month.
1257L is the standard UK tax code for most employees in 2026/27. It means you have the standard Personal Allowance of £12,570 before paying income tax. If your code differs, it may reflect benefits, additional income or adjustments from HMRC.