How to Estimate UK Take-Home Pay (2026/27 Tax & NI)
Short answer
For 2026/27, most people get a £12,570 Personal Allowance, then 20% tax to £50,270, 40% to £125,140 and 45% above. Employee NI is about 8% then 2%. Example: £35,000 → take-home ≈ £28,720.
British job offers quote gross salary; rent needs net pay. Estimate with the UK income tax calculator for England, Wales and Northern Ireland.
Income tax bands
Personal Allowance £12,570 (tapers above £100,000). Basic 20%, higher 40%, additional 45% — see GOV.UK.
National Insurance
Employee Class 1 NI is modelled at 8% between the Personal Allowance and £50,270 and 2% above.
Worked example
£35,000 salary → tax ≈ £4,486; NI ≈ £1,794; net ≈ £28,720 (~£2,393/month).
VAT vs income tax
VAT is a consumption tax — see how to calculate UK VAT and the sales tax / VAT calculator.
Scotland
Scottish bands differ; this tool does not model them.
Open the free salary calculator.
Related: how to estimate us federal income tax.
Related: how to estimate take home pay.
Related: how to convert hourly wage to salary.
More practice
Change the inputs, rewrite the formula from memory, then confirm with the tool. Keep units consistent and read the disclaimer on tax or health pages before acting on a number.
Frequently asked questions
What is the UK Personal Allowance in 2026/27?
£12,570 for most people.
Does the calculator include student loan?
No — subtract student loan separately if it applies.
Is Scotland supported?
Not in this version.
Where can I confirm?
GOV.UK income tax rates and HMRC tools.