NewUpdated for the 2026/27 tax year
See what you really take home.
The UK salary calculator built for clarity. Income Tax, National Insurance, pension, student loans and bonuses — beautifully broken down in real time.
- Official 2026/27 HMRC thresholds
- Scottish tax bands included
- Private — nothing leaves your device
Tax year 2026/27
Your details
Your take-home pay
£2,276.63 take-home per month
per month · from £2,916.67 gross
- Effective rate
- 16.9%
- Marginal rate
- 32.0%
- Deductions / mo
- £640
Where your money goes
Hover to explore- Amounts shown per month.
Full breakdown
Every line of your pay, by year, month and week.
| Item | Year | Month | Week |
|---|---|---|---|
| Gross pay | £35,000.00 | £2,916.67 | |
| Pension | −£1,750.00 | −£145.83 | |
| Tax-free allowance | £12,570.00 | £1,047.50 | |
| Taxable income | £20,680.00 | £1,723.33 | |
| Income Tax20% on £20,680 | −£4,136.00 | −£344.67 | |
| National Insurance | −£1,794.40 | −£149.53 | |
| Take-home pay | £27,319.60 | £2,276.63 |
Why PayMint
Payslip clarity, without the jargon.
Instant and accurate
Uses the official 2026/27 Income Tax, National Insurance and student loan thresholds. Results update as you type.
Every deduction, explained
Salary sacrifice, net pay and relief at source pensions, bonuses, every loan plan and Scottish bands.
Private by design
No sign-up and no tracking of your figures. Everything is calculated on your device and never stored.
Tax year 2026/27
The rates behind your result
Official 6 April 2026 – 5 April 2027 thresholds. Your Personal Allowance shrinks by £1 for every £2 of income over £100,000.
Income Tax — England, Wales & NI
| Band | Rate |
|---|---|
| Personal AllowanceUp to £12,570 | 0% |
| Basic rate£12,571 – £50,270 | 20% |
| Higher rate£50,271 – £125,140 | 40% |
| Additional rateOver £125,140 | 45% |
Income Tax — Scotland
| Band | Rate |
|---|---|
| Personal AllowanceUp to £12,570 | 0% |
| Starter rate£12,571 – £16,537 | 19% |
| Basic rate£16,538 – £29,526 | 20% |
| Intermediate rate£29,527 – £43,662 | 21% |
| Higher rate£43,663 – £75,000 | 42% |
| Advanced rate£75,001 – £125,140 | 45% |
| Top rateOver £125,140 | 48% |
National Insurance (Class 1)
| Band | Rate |
|---|---|
| Below Primary ThresholdUp to £12,570 | 0% |
| Main rate£12,571 – £50,270 | 8% |
| Upper rateOver £50,270 | 2% |
Employee contributions. Not paid once you reach State Pension age.
Student loan repayments
| Band | Rate |
|---|---|
| Plan 1Over £26,900 | 9% |
| Plan 2Over £29,385 | 9% |
| Plan 4 (Scotland)Over £33,795 | 9% |
| Plan 5Over £25,000 | 9% |
| Postgraduate LoanOver £21,000 | 6% |
Based on gross earnings above each plan's threshold.
FAQ
Common questions
Everything you need to understand your payslip and the numbers above.