Take-home pay calculator
Your pay after tax and deductions in the UK, US (inc. California and New York), Germany, France, Italy, Spain and Poland.
Take-home pay per month
£2,276.63
£27,319.60 a year · £525.38 a week · 21.9% taken off
- Pay before tax
- £35,000.00
- Income tax
- £4,136.00
- National Insurance
- £1,794.40
- Pension
- £1,750.00
- Take-home per year
- £27,319.60
United Kingdom: 2026/27 (6 April 2026 to 5 April 2027).
Show workings
- Personal allowance£12,570.00
- Taxable pay£35,000.00 − £1,750.00 pension − £12,570.00 = £20,680.00
- Income tax at 20%£20,680.00 × 20% = £4,136.00
- National Insurance8% between £12,570.00 and £50,270.00, 2% above = £1,794.40
How it works
UK (2026/27 (6 April 2026 to 5 April 2027)): income tax after the £12,570 personal allowance (with Scottish rates in Scotland), National Insurance at 8% then 2%, student loans, and pensions by salary sacrifice, net pay or relief at source.
United States: federal tax (2026) after the standard deduction, Social Security and Medicare, and state tax for California, New York (their 2025 rates, the latest published), Pennsylvania, Texas and Florida.
Germany, France, Italy, Spain and Poland: income tax and employee social contributions for a single employee with standard allowances, from each country's official rules for 2026 (France: the rates for 2025 income, the latest set).
An estimate for one job paid evenly through the year. Bonuses, benefits, other income, children and tax credits beyond those described aren't included. Your payslip or tax office has the final word.
Worked example
£35,000 a year in England: income tax is (£35,000 − £12,570) × 20% = £4,486, National Insurance (£35,000 − £12,570) × 8% = £1,794.40, so take-home pay before any pension is £28,719.60, about £2,393 a month.
Questions
Why is my payslip slightly different?
Payroll works out tax each pay period, using tables or codes that can differ slightly from a yearly calculation, especially with overtime or bonuses. Your tax code or tax class may also differ from the standard one.
What is the 60% tax trap (UK)?
Between £100,000 and £125,140 your personal allowance is withdrawn, so each extra £1 costs 40% tax plus the lost allowance: an effective 60%. Pension contributions can bring your income back below £100,000.
Which student loan plan am I on (UK)?
Plan 1 if you started before September 2012 in England or Wales; Plan 2 from September 2012 to July 2023; Plan 4 in Scotland; Plan 5 for English courses from August 2023.
Why does Spain show Madrid?
Spanish income tax is split between the state and the region, and each region sets its own scale. Madrid is included first; other regions will follow.