Free tool · 2026/27

Salary after tax calculator

See your take-home pay after Income Tax, National Insurance and pension for 2026/27, per year, month and week. Useful for job offers, pay rises and salary sacrifice decisions.

  • Yearly, monthly and weekly pay
  • Salary sacrifice pension
  • Bonus included
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Free no sign-up needed
  • Updated for 2026/27
  • Instant, private estimate
  • Accountant review available
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Work out your take-home pay

Uses 2026/27 rates. Nothing is stored or sent.

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Who it’s for

Who this calculator is for

Employees paid through PAYE.

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Job offers

Compare salaries after tax.

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Pay rises

See what you really keep.

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Pension savers

Model salary sacrifice.

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Bonuses

Tax on bonus pay.

Packages & prices

Want us to file it for you?

Use the calculator for free, then let a Chartered Certified Accountant prepare and file your return. VAT included.

Starter
Straightforward returns and simple sole traders.
£150
per year · incl. VAT
  • Self Assessment tax return
  • Tax calculation explained
  • Online filing with HMRC
  • Deadline reminders
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Most popular
Growth
Self-employed, landlords, directors or several income sources.
£250
per year · incl. VAT
  • Everything in Starter
  • Self-employment or rental schedules
  • Expense and allowance review
  • Payments on account planning
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Complete
Bookkeeping, MTD, several properties, crypto or foreign income.
Quote
fixed fee
  • Everything in Growth
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  • Foreign income and relief
  • Making Tax Digital support
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All prices include VAT.

What’s included

What the calculator works out

2026/27 rates for England, Wales and Northern Ireland.

  • Income Tax on your pay
  • Class 1 National Insurance at 8% and 2%
  • Salary sacrifice pension
  • Take-home per year
  • Take-home per month
  • Take-home per week
How it works

A seamless, fully online process

Enter your salary

Gross annual pay.

Add any bonus

Other taxable pay.

Set your pension

Percentage by salary sacrifice.

See your take-home

Year, month and week.

Rules used

Deductions from pay 2026/27

DeductionRate
Income Tax20% / 40% / 45%
Employee NI £12,570 to £50,2708%
Employee NI above £50,2702%
Employer NI above £5,00015% (paid by employer)

How is take-home pay calculated?

In short: start with gross pay, take off pension paid by salary sacrifice, then Income Tax and National Insurance. What is left is your net pay.

A worked example

On a £35,000 salary with 5% salary sacrifice, pension is £1,750. Income Tax is £4,136 and National Insurance £1,654, so take-home is about £27,460 a year, or £2,288 a month.

What is not included

Student loan repayments, benefits in kind and tax code adjustments are not included. Check your code with our tax code checker. Employers can use our payroll services. More on our tax calculators page.

Official guidance: Estimate your Income Tax

Employee checking take-home pay after tax
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Why clients choose Wingate

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Transparent pricing, confirmed in writing before any work begins. No hourly charges and no surprises.

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“As someone new to self-employment, I appreciated their patience and clear explanations when filing my tax return.”

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FAQs

Frequently asked questions

What is £35,000 after tax?
About £28,720 with no pension, or £27,460 with 5% salary sacrifice, in 2026/27.
Does salary sacrifice save National Insurance?
Yes. Pay given up for a pension is free of Income Tax and employee NI.
Are student loans included?
No. Repayments depend on your plan and are taken on top.
Why is my payslip different?
Your tax code, benefits or pay timing may differ. Use our tax code checker.
Is this for Scotland?
Scottish rates differ, so treat the result as a guide.
Do I need a tax return?
Not usually if you only have PAYE income under £150,000.

Ask us about your tax

Share a few details and a qualified accountant will respond with a fixed-fee proposal, usually within one working day. All prices include VAT.

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Real reviews from the self-employed, landlords, company directors and families we help with their tax returns and accounts.

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Wingate Accountants Ltd is an independent firm of Chartered Certified Accountants, providing tax and compliance services to individuals and businesses across the UK.

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