Real Take Home Pay

Your salary is not your income. After income tax, National Insurance, student loan and pension — here's what actually lands in your account.

Rates verified from HMRC — 2026/27 tax year

Gross annual salary £35,000

£10k£30k£50k£75k£100k£150k

Or type exact salary:

Pension

Your contribution (%)

Auto-enrolment minimum is 5% employee + 3% employer

Pension type

Affects how tax relief is applied

Student loan

Student loan plan

Check your payslip or Student Loans Company account if unsure

Your situation

Region

Scotland has different income tax rates

Tax code

Monthly take-home pay

—

What gets deducted each month

Gross salary —

Income tax —

National Insurance —

Student loan —

Pension contribution —

Take home —

Effective tax rate —

Marginal rate — on your next £1,000 —

Where your salary goes

Annual breakdown

Rates sourced from HMRC and House of Commons Library — 2026/27 tax year.
England/Wales/NI income tax. Scottish rates calculated separately.
For illustrative purposes. Speak to an accountant for advice on your specific situation.

Real Take Home Pay

Pension

Student loan

Your situation

Scotland income tax rates 2026/27