Salary Calculator UK
Convert annual salary to monthly, weekly, daily and hourly take-home estimates.
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How it works
This converts an annual salary into take-home pay across pay periods using an estimated deductions percentage. It is a simplified guide, not a payslip — real deductions depend on local tax bands and contributions.
- Monthly = annual ÷ 12
- Weekly = annual ÷ 52
- Hourly assumes about 2,080 working hours a year.
Frequently asked questions
How is UK take-home pay calculated?
Start with gross salary, then subtract Income Tax, National Insurance and any pension or student-loan deductions to get net pay.
What are the employee National Insurance rates?
8% on earnings between £12,570 and £50,270 a year, and 2% on earnings above £50,270, for 2026/27.
What is the take-home on a £35,000 salary?
Roughly £28,720 a year (about £2,393 a month) after Income Tax and NI, before any pension or student-loan deductions.
What is PAYE?
Pay As You Earn — the system where employers deduct Income Tax and NI from your wages and pay it to HMRC before you receive your salary.
Do pension contributions reduce my tax?
Yes. Pension contributions, especially via salary sacrifice, reduce your taxable pay and can lower both Income Tax and National Insurance.
Are Scottish deductions different?
Income Tax bands differ in Scotland, so Scottish taxpayers will have a different tax figure, though National Insurance is UK-wide.
From gross salary to take-home pay
Your take-home (net) pay is your gross salary minus Income Tax, National Insurance and any pension or student-loan deductions. UK employers handle this automatically through PAYE, but this calculator estimates the net figure so you can see where your salary goes.
Income Tax and National Insurance
Income Tax uses the £12,570 Personal Allowance and 20%/40%/45% bands. Employee National Insurance is charged at 8% on earnings between £12,570 and £50,270 a year, and 2% on anything above £50,270. The two are separate deductions taken from the same gross pay.
Worked example
On a £35,000 salary: Income Tax is about £4,486 (20% of income above the allowance) and National Insurance about £1,794, leaving roughly £28,720 a year before any pension or student-loan deductions — around £2,393 a month.
Other deductions
Workplace pension contributions and student-loan repayments come out too, and salary-sacrifice pensions reduce both your tax and NI. This is an estimate based on standard England/Wales/NI rates; Scottish taxpayers use different Income Tax bands.
Results are estimates for general guidance in United Kingdom and may not reflect the latest local rates, fees or rules. Check official sources before making decisions.