Wondering what your take home pay would look like when earning £35,000? We’ll break down what this salary looks like yearly, weekly and monthly, once NI and income tax has been deducted.

How much is 35k after tax?

For the 2025/26 tax year, an employee earning £35,000 per annum will take home £28,721.40 per year (or £2,393.31 per month), once income tax and National Insurance has been deducted.

This is based on the following:

• You receive your personal allowance of £12,570
• You pay basic rate tax at 20%
• And your National Insurance Contributions are 8%

How much tax and National Insurance is deducted from a 35k salary?

Tax and National Insurance are the main deductions you’ll notice on your pay slip. We’ll break down how much you’re likely to pay.

Paying tax on a £35,000 salary

• Your tax-free personal allowance is £12,570 (this means no tax is paid on these earnings)
• Your taxable income is £22,430 (£35,000-£12,570)
• You’ll pay income tax at 20% (which is £4,484.20)

Paying NI on a £35,000 salary

• Your tax-free NI threshold is £12,570
• NI Contributions (8% on £22,430): £1,794.40

Total deductions per annum

• Income tax: £4,484.20
• National Insurance: £1,794.40

Which gives you a total of £6,278.60 in deductions. This doesn’t include things like pension payments, or other deductions your employer might take from your payslip (for example, student loan deductions).

How much will an employee take home if they earn £35,000 per year?

The table below shows the breakdown of income tax, National Insurance and take-home pay based on a taxpayer earning £35,000 in the 2025/26 tax year. The table doesn’t include things like pension contributions, or any other deductions your employer may take from you (for example, if you get Benefits in Kind).

Will my side hustle affect my £35,000 salary?

You’ll only need to tell HMRC about your side hustle if the total it earns you in a tax year goes over the £1,000 trading allowance.

If your side hustle does well, then you might want to think about how you set the business up for tax to help you be tax efficient!

Renting or owning a property with a salary of £35,000

The million-dollar question is – is it enough to live off? Per month your take home pay is £2,393.46, which can be a great salary to find a new home. But, how comfortably you live will depend on your location.

The average cost of renting is always changing, but the average rent as of 2025 is:
 

 
It can be quite daunting to see how much more expensive it is in London compared to other parts of the UK, but many employers in London compensate for the higher prices by topping up the salary they offer (known as London-weighting).

If you want to buy a home, you should see if you’re eligible for the First Home Scheme. This is for first-time buyers and it could help you buy a home for 30-50% less than its market value.

How much employer’s NI will I pay on a £35,000 salary?

For the 2025/26 tax year, an employer will pay £5,250 in employer’s National Insurance Contributions for a standard employee (Category A). This is only a very rough calculation though, and it doesn’t factor in things like the Employent Allowance, which is automatically applied to an employer’s NI bill if they’re eligible.

What if I’m enrolled on a workplace pension?

Your employer will need to automatically enrol you into their workplace pension scheme if you:

• Are aged between 22 and the state pension age
• Usually work in the UK
• Earn £10,000 or more per year

You can opt out of the scheme, although they’re required to re-enrol you at regular intervals (you can just opt out again if you want!). We mention this because things like pension contributions will affect the amount of take-home pay you get.

 
Learn more about our online accounting services for businesses. Call 020 3355 4047 to chat to the team, and get an instant online quote.