UK PAYE tool
Slide gross salary, pension, and student loan to see how your 2026/27 take-home moves in real time.
Estimated 2026/27 take-home
£26970
≈ £2247 / month
Based on the figures provided. Assumes standard tax code 1257L, no benefits in kind. This does not prove your actual take-home will match.
£35,000 gross with 5% pension, no student loan: take-home ~£28,300 / yr (~£2,358 / mo). Effective tax + NI ≈ 14.9%.
Effective rate < 20%
Mostly basic rate.
20-30%
Some higher rate exposure.
> 30%
Higher / additional bands and / or PA taper.
Gross £60,000, salary sacrifice 8% pension = £4,800. Taxable £55,200.
Tax: PA £12,570 free, basic to £50,270 = £37,700 x 20% = £7,540. Higher band £4,930 x 40% = £1,972. Total tax £9,512.
NI: (£50,270-£12,570) x 8% + (£55,200-£50,270) x 2% = £3,016 + £99 = £3,115.
Take-home ≈ £42,573 / yr.
2026/27 UK thresholds. PA £12,570, basic to £50,270, higher to £125,140.
Not in this version - we use rest-of-UK bands. A Scottish-specific build is on the roadmap.
A pension method where the contribution comes off gross pay before tax and NI. The toggle reduces both your tax and NI base.
Not in this version. Add them via your tax code in real life.
Not always - employer pension method, benefits in kind, and tax code can change the figures.
Sources
Last verified: 2026-05-03.
Disclaimer: Estimates based on the figures you enter. Not tax or financial advice.