Free, accurate and up to date for 2026/27 — take-home pay, redundancy, holiday, notice, maternity pay, dividend tax and mortgage overpayments, all in one place.
Take-Home Pay
Redundancy
Holiday
Notice
Maternity
Dividend Tax
Overpayment
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Your take-home pay
£0
Per year
£0
Per month
£0
Per week
£0
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How UK take-home pay is worked out (2026/27): From your gross salary you keep your tax-free Personal Allowance of £12,570, then pay Income Tax on the rest (20%, 40% and 45% bands in England, Wales & NI; six bands from 19% to 48% in Scotland). You also pay employee National Insurance at 8% on earnings between £12,570 and £50,270 and 2% above that. Pension contributions and student loan repayments are deducted separately. What's left is your take-home pay.
2026/27 rates used in this calculator
Income Tax — England, Wales & Northern Ireland
Personal Allowance (0%)
Up to £12,570
Basic rate (20%)
£12,571 – £50,270
Higher rate (40%)
£50,271 – £125,140
Additional rate (45%)
Over £125,140
The Personal Allowance reduces by £1 for every £2 you earn over £100,000, disappearing entirely at £125,140. Scotland uses six bands from 19% to 48% — select Scotland above and the calculator applies them automatically.
Employee National Insurance
Up to £12,570
0%
£12,571 – £50,270
8%
Over £50,270
2%
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Frequently asked questions
How much is £35,000 after tax in 2026/27?
On a £35,000 salary in England, Wales or Northern Ireland with no pension or student loan, you pay £4,486 Income Tax and £1,794 National Insurance, leaving a take-home pay of about £28,720 a year — roughly £2,393 a month. Use the calculator above for your exact figure.
Does the calculator include Scotland's tax rates?
Yes. Select Scotland and it applies the six Scottish Income Tax bands (starter 19%, basic 20%, intermediate 21%, higher 42%, advanced 45% and top 48%) for 2026/27. National Insurance is the same across the whole UK.
How do pension contributions affect my take-home pay?
With salary sacrifice, your contribution is taken from your gross pay before Income Tax and National Insurance, so you pay less of both. With a personal or relief-at-source pension, it's taken after tax. Choose the matching option above for an accurate figure.
Which student loan plan am I on?
Broadly: Plan 1 (English/Welsh students who started before Sept 2012, or Northern Ireland), Plan 2 (England/Wales, 2012–2023 starters), Plan 4 (Scotland), Plan 5 (England, courses from Aug 2023). Repayments are 9% of income above the plan threshold, or 6% for postgraduate loans.
Estimated statutory redundancy pay
£0
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How statutory redundancy pay is calculated (2026/27): You receive 0.5 week's pay for each full year worked while under 22, 1 week's pay for each full year aged 22–40, and 1.5 weeks' pay for each full year aged 41 or over. Service is capped at 20 years and weekly pay at £751 (Great Britain, from 6 April 2026), giving a maximum statutory payment of £22,530. You need at least 2 years' continuous service to qualify.
Age bands
Age during a full year of service
Weeks' pay
Under 22
0.5 week
22 to 40
1 week
41 and over
1.5 weeks
Frequently asked questions
Is statutory redundancy pay taxable?
No. Genuine redundancy payments are tax-free up to £30,000, and statutory redundancy pay is almost always within that limit.
Do I qualify?
You qualify if you are an employee with at least 2 years' continuous service and you are being made redundant.
Your statutory holiday entitlement
0
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How much holiday am I entitled to? Almost all UK workers get 5.6 weeks of paid holiday a year. For someone working 5 days a week that's 28 days — the legal maximum an employer must give. Work fewer days and you get 5.6 × your days per week. For irregular or part-year hours, holiday builds up at 12.07% of the hours you actually work.
Holiday FAQs
Can my employer include bank holidays?
Yes. The 5.6 weeks (28 days for full-time) can include the 8 UK bank holidays — there's no automatic right to take them off on top.
Statutory minimum notice from your employer
0
What notice is my employer required to give? After one month's service you're entitled to at least one week's notice. Once you've completed two years, that rises to one week for every complete year worked, capped at twelve weeks. Your contract may promise more, but never less than this statutory minimum.
Notice FAQs
What notice must I give my employer?
Unless your contract says otherwise, employees are only legally required to give one week's notice once they've worked a month — though contracts often ask for more.
Estimated statutory pay
£0
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How much is statutory maternity pay in 2026/27? Statutory Maternity Pay is 90% of your average weekly earnings for the first 6 weeks, then the lower of £194.32 or 90% of your earnings for the next 33 weeks — up to 39 weeks in total. Statutory Paternity Pay is 2 weeks at the same £194.32 rate (or 90% of earnings if lower).
Maternity & paternity FAQs
How long is statutory maternity pay paid for?
Up to 39 weeks. Maternity leave itself can last 52 weeks, but the final 13 weeks are usually unpaid.
Tax on your dividends (2026/27)
£0
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How much tax will I pay on dividends in 2026/27? The first £500 of dividends is tax-free. Above that, dividends are taxed at 10.75% within the basic-rate band, 35.75% in the higher-rate band and 39.35% above £125,140 — after your salary and Personal Allowance are taken into account. These rates rose by 2 percentage points from April 2026.
Dividend FAQs
Does this include Corporation Tax?
No — this is the personal tax you pay on dividends you receive. Your company also pays Corporation Tax (19–25%) on its profits before dividends are paid out.
Are dividend rates different in Scotland?
No. Dividend tax is set UK-wide, so Scottish taxpayers pay the same dividend rates. Only the tax on your salary differs in Scotland.
By overpaying you could save
£0
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Is overpaying my mortgage worth it? Overpaying reduces the balance that interest is charged on, so even a small monthly overpayment can save thousands in interest and clear the mortgage years early. For example, overpaying £200 a month on a £200,000 mortgage at 5% over 25 years saves roughly £42,000 and clears it about 6 years sooner. Check your lender's annual overpayment limit first — often 10%.
Overpayment FAQs
Is there a limit on overpayments?
Many fixed-rate deals let you overpay up to 10% of the balance each year without penalty. Above that, early repayment charges may apply — check your mortgage terms.