Your money, finally making sense.
Free, accurate calculators and plain-English guides for UK tax, mortgages, ISAs and pensions. No sign-up needed.
Rates and thresholds checked against
See it before you click through
Real results,
not just a form
Most calculators hide the answer behind a form. We show you what a £35,000 salary actually looks like after income tax, National Insurance, pension, and student loan, so you know what to expect before you open the calculator.
- Covers 2026/27 tax year rates
- Includes NI, pension and student loan
- No sign-up, no data stored
Take Home Pay Calculator
Gross salary: £35,000 / year
Most popular calculators
View all calculators →Featured · Tax & Income
Take Home Pay Calculator
Calculate your net salary after income tax, NI, pension and student loan, by year, month, week or day.
Salary Comparison Calculator
Compare two salaries side-by-side: income tax, NI, pension, and take-home pay.
Open calculatorMortgage Calculator
Calculate monthly repayments, total interest, and full amortisation schedule for any UK mortgage.
Open calculatorISA Calculator
Track your ISA allowance and project growth across Cash, Stocks & Shares, and Lifetime ISAs.
Open calculatorMost popular guides
View all guides →Featured · Savings & ISA
How to Maximise Your ISA Allowance 2026/27
Your £20,000 annual ISA allowance resets every April. Here's how to use it across Cash, Stocks & Shares, and Lifetime ISAs and why it matters.
UK Income Tax Explained: Bands, Rates and Your Tax-Free Allowance
How income tax works in the UK the personal allowance, basic and higher rate bands, National Insurance, and how to calculate what you actually owe.
First-Time Buyer's Complete Guide: From Saving to Completion
Everything you need to know about buying your first home in the UK saving for a deposit, government schemes, stamp duty relief, mortgages, and what to expect on completion day.
How UK Mortgages Work: Types, Rates and Getting Approved
A plain-English guide to UK mortgages: repayment vs interest-only, fixed vs variable rates, how much you can borrow, the application process, and all the costs to expect.
UKMoneyTools
Taking control of your finances
Most people have a rough sense of their income and their biggest expenses, but very few have a clear picture of where they actually stand. A mortgage calculation done in your head is rarely accurate. A retirement projection without compound interest modelled in is almost certainly too optimistic. A budget that fails to account for annual expenses, not just monthly ones, will always feel like it is leaking.
The tools on UK Money Tools exist to close that gap. They are designed to be fast to use, honest in their outputs, and clear enough that you do not need a financial background to understand the results.
Understanding your take-home pay
Income tax, National Insurance, student loan deductions, and pension contributions all interact in ways that are not obvious from the headline salary figure. Knowing your real take-home is the starting point for any financial plan.
Planning for a home
Monthly repayment figures are easy to focus on, but the total interest paid over a full term is the number that really matters. Stamp duty adds another layer that catches many first-time buyers off guard.
Making your money work harder
Money invested early and left to grow has a fundamentally different trajectory than money invested later, even if the total amount contributed is the same. The ISA Calculator helps you make the most of your £20,000 annual allowance.
Planning for retirement
Most people underestimate how much they need in retirement. The gap only becomes clear when you model contributions, employer matching, and growth together over decades. Starting earlier matters more than contributing more later.