Work out take-home pay for any UK salary or hourly rate. Free calculators covering Income Tax, National Insurance, pension, student loan, and every tax code.
Enter a salary or hourly rate and see what actually reaches your bank account after Income Tax, National Insurance, pension and student loan. Every calculator shows the tax year it used and the assumptions behind the number, so you can check it against a real payslip.
On £35,000 a year, a standard 2026/27 tax code and no pension or student loan, the figures work out like this. Open a calculator to put your own numbers in.
Enter a salary or hourly rate and see what actually reaches your bank account after Income Tax, National Insurance, pension and student loan. Every calculator shows the tax year it used and the assumptions behind the number, so you can check it against a real payslip.
| Tax/source year | 2026/27 |
|---|---|
| Region | England/Wales/Northern Ireland |
| Tax code basis | 1257L where the page uses PAYE defaults |
| Pension basis | No pension deduction unless this example says otherwise |
| Student loan basis | No student loan unless selected in this example |
| What is not decided here | PayBreakdown does not decide payroll correctness, lender approval, benefit entitlement or employer compliance, and does not give regulated financial, mortgage, debt, tax, payroll or legal advice. |
|---|
The figures on this page use the values below. Open the calculator if your example salary differs.
The home page helps you find the right calculator without setting anything up first. Salary examples show take-home estimates, household pages combine two incomes, and the specialist tools cover pensions, student loans, statutory pay and mortgage affordability.
Public calculators are generic planning tools. Private workspace pages can contain personal local data and stay separate from public calculator pages, advertising, and general browsing.
Enter a salary or hourly rate and see what actually reaches your bank account after Income Tax, National Insurance, pension and student loan. Every calculator shows the tax year it used and the assumptions behind the number, so you can check it against a real payslip. Read the result and assumptions first, then use the related calculators only when you need to change inputs or continue into a wider plan.
PayBreakdown is an informational calculator and household-finance modelling tool. It does not provide legal, tax, employment, payroll, benefits, lending, accounting or regulated financial advice.
Check whether the page uses a fixed scenario, a simple default, or your own local inputs. Fixed scenarios are useful for orientation, but personal decisions should use current payslips, bills, provider documents, official sources, and professional support where the decision is important.
A useful estimate shows the key inputs, the calculation area, the assumptions and the limits in the same place. If a page does not match the user situation exactly, use it to understand direction and sensitivity first, then move into the relevant calculator or local workspace to adjust the numbers.
Use the visible result as a starting point, then change the assumptions that apply to your situation. For salary pages, that usually means tax year, region, tax code, pension method, student loan plan, bonus, overtime and salary-sacrifice settings. For borrowing, debt or budget pages, it means the real payment amount, term, interest rate, balance, bill timing, savings target and any expected income change. Keep the result separate from advice or approval decisions: PayBreakdown helps you model the numbers, while official sources, employer records, provider documents and professional support are still the right place for final checks. If a change is close to a threshold, rerun the calculation with a cautious higher-cost or lower-income scenario before relying on the result.
You can search for salaries, hourly rates, tax-code explainers, mortgage affordability, bills, savings, budget pages, childcare, statutory pay, contractor pay, and other UK planning tools.
Yes. Public calculators work without a saved profile. Profiles, Bills, Budget, and Savings are for local browser planning when you want to keep your own figures together.
Last updated 2026-08-19. Estimates are for planning and should be checked against official records where the decision matters.