UK take-home pay, worked out like payroll
Income tax, National Insurance, student loans and your pension for 2026/27, including Scotland and Wales. The same calculations are an API for your software, tested against every case in HMRC's own payroll test data.
Take-home pay a month
£2,276.85
£27,322.16 a year on tax code 1257L. Tax, NI and student loans take 16.9% of your pay.
| 2026/27 | Year | Month | Week |
|---|---|---|---|
| Gross pay | £35,000.00 | £2,916.67 | £673.08 |
| Income tax | £4,134.00 | £344.50 | £79.50 |
| National Insurance | £1,793.88 | £149.49 | £34.50 |
| Student loan | £0.00 | £0.00 | £0.00 |
| Pension | £1,749.96 | £145.83 | £33.65 |
| Take-home pay | £27,322.16 | £2,276.85 | £525.43 |
Each pay period is worked out the way payroll does, then added up, so a year is what your payslips come to. Months and weeks are the year's average.
Or look one up: £30,000, £45,000, £60,000 or every salary after tax.
Put this in your software
Take-home pay, gross from net, employer cost, payroll periods, statutory pay and contractor calculations, from one API. Money comes back in pounds and pence, with the tax year, the HMRC test data passed, the assumptions and the gov.uk sources.