← Back to calculators
Hourly to Take-Home Calculator
Turn any hourly rate into real take-home pay after UK income tax and National Insurance (2025/26).
Your rate
Use 46-48 if you take unpaid leave; 52 if employed with paid holiday.
Annual take-home
£28,791.60
Annual gross£35,100.00
Income tax−£4,506.00
National Insurance−£1,802.40
Monthly net£2,399.30
Weekly net£553.68
Net hourly rate£14.76
You keep roughly 82.0% of every pound you earn.
Umbrella or self-employed?
This calculator assumes PAYE employment. Contractors via umbrella lose roughly another 5% to margin and employer NI.
Pension changes everything
A 5% pension contribution on a £35k salary saves about £350/year in tax and often gets matched by employer.
Part-time trap
Working under £12,570 means you pay no tax but also build no NI record toward your state pension.