🧮Tax Calculator · concept
What’s my real take-home pay?
A UK income tax, National Insurance, student loan and pension calculator. Everything is worked out in your browser — your figures never leave your device.
Pension contributions
Student loans
You can repay more than one at once (e.g. Plan 2 plus Postgraduate).
Other
Your take-home pay
Yearly
£28,720
Monthly
£2,393
Weekly
£552
Effective tax + NI rate: 17.9%Marginal rate: 28.0%
Where your money goes
Gross income£35,000
Income tax−£4,486
Basic rate (20%): £4,486
National Insurance−£1,794
Main rate (8%): £1,794
Take-home pay£28,720
What if my salary changed?
See how a pay rise or cut changes your monthly take-home — and how much of each extra pound you actually keep.
| Change | Salary | Monthly net | vs now |
|---|---|---|---|
| -10% | £31,500 | £2,183 | -£210 |
| -5% | £33,250 | £2,288 | -£105 |
| 0% | £35,000 | £2,393 | — |
| +5% | £36,750 | £2,498 | +£105 |
| +10% | £38,500 | £2,603 | +£210 |