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Based on a £35,000 salary and £28,721 take-home, here's what most people miss
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?Is my emergency fund enough?
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New
With AI Insights
✓Savings, investment & spending insights specific to your situation
✓Pension contribution and projection analysis
✓Short, medium and long-term focus areas
✓Financial Health Scorecard
Based on a £35,000 salary and £28,721 take-home, here's what most people miss
Get My Insights →UK Job Pay Guide 2025/26
Use this guide to explore typical salaries for a wide range of UK professions in the 2025/26 tax year. Each page shows salary ranges across experience levels, the London pay premium, and links to the take-home pay calculator so you can see exactly what you'll earn after income tax and National Insurance.
Salary figures are sourced from ONS Annual Survey of Hours and Earnings (ASHE), government pay scales, and professional body surveys.
Your taxes (2025/26)
Various assumptions apply
The primary assumptions are that you are a FTE and that standard tax rates for 2025/26 apply to you. For fewer limitations, try Saving Tool Advanced.
| Year | Month | Week | |
|---|---|---|---|
| Gross Income | £37,500 | £3,125 | £721 |
| Pension Contributions£375 Saved! | £1,875 | £156 | £36 |
| Employer Pension ContributionsPot Increased | £1,125 | £94 | £22 |
| Taxable Income | £35,625 | £2,969 | £685 |
| Personal allowance | £12,570 | - | - |
| National Insurance | £1,843 | £154 | £35 |
| Income Tax | £4,611 | £384 | £89 |
| Take Home Pay | £29,171 | £2,431 | £561 |
| Added to Pension | £3,000 | £250 | £58 |
| Opportunities Found | View My Opportunities → | ||
HMRC Tax rates and rules last updated 8th Nov 2025
Healthcare
- £31,049 – £57,372/yr
- £55,319 – £120,000/yr
- £38,951 – £125,000/yr
- £31,049 – £67,052/yr
- £31,049 – £60,000/yr
- £31,049 – £75,000/yr
- £31,049 – £68,400/yr
- £31,049 – £57,372/yr
- £32,000 – £88,000/yr
Technology
- £32,000 – £120,000/yr
- £35,000 – £95,000/yr
- £27,000 – £78,000/yr
- £42,000 – £115,000/yr
- £28,000 – £85,000/yr
- £38,000 – £105,000/yr
- £30,000 – £95,000/yr
- £38,000 – £105,000/yr
Finance & Accounting
- £28,000 – £85,000/yr
- £38,000 – £105,000/yr
- £55,000 – £160,000/yr
- £28,000 – £130,000/yr
- £38,000 – £140,000/yr
- £28,000 – £90,000/yr
Legal
- £26,000 – £185,000/yr
- £18,500 – £250,000/yr
- £22,000 – £55,000/yr
- £25,000 – £85,000/yr
Engineering
- £28,000 – £85,000/yr
- £28,000 – £80,000/yr
- £29,000 – £82,000/yr
- £28,000 – £88,000/yr
- £31,000 – £88,000/yr
Education
- £37,000 – £92,000/yr
- £20,000 – £33,000/yr
- £30,000 – £110,000/yr
Emergency Services & Public Sector
- £29,907 – £56,793/yr
- £27,462 – £52,000/yr
- £32,000 – £60,000/yr
- £30,001 – £53,000/yr
- £27,000 – £54,000/yr
Trades & Construction
- £20,000 – £65,000/yr
- £19,000 – £80,000/yr
- £18,000 – £72,000/yr
- £17,000 – £65,000/yr
- £20,000 – £80,000/yr
- £32,000 – £58,000/yr
Business & Management
- £28,000 – £82,000/yr
- £30,000 – £82,000/yr
- £33,000 – £92,000/yr
- £30,000 – £90,000/yr
- £35,000 – £95,000/yr
- £30,000 – £95,000/yr
- £30,000 – £85,000/yr
Creative & Media
- £22,000 – £65,000/yr
- £22,000 – £88,000/yr
- £22,000 – £68,000/yr
- £26,000 – £90,000/yr
Other Professions
- £40,000 – £185,000/yr
- £33,000 – £120,000/yr
- £31,049 – £90,000/yr
- £31,049 – £68,400/yr
- £31,049 – £67,200/yr
- £31,049 – £67,200/yr
- £30,000 – £100,000/yr
NHS and Teacher Pay
For detailed NHS pay band breakdowns, see the NHS Take-Home Pay Calculator, or browse individual band pages from Band 2 to Band 9. For teacher salaries, see the Teacher Pay Guide.
Explore Your Finances
Model your expenses, project your wealth, and find your path to financial independence.
Your Monthly Outgoings
Projected Pension
Wealth & Financial Independence More Info
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Financial independence means having enough saved that your expenses will be covered for the rest of your life.
- In today's money, you'll have at least £21,600 / year (£1,800 / month) when you retire at 66 - just from your savings
- In real terms (where inflation is not removed), that's £38,340 / year (£3,195 / month)
- That means all your outgoings are covered without having to make any further contributions!
- All your expenses are covered for your retirement, but your wealth may start to decrease towards old age
Projected Wealth
Calculations
- FI Target = Annual outgoings (£21,600) * Years needed for 4.00% SWR (25.00) = £540,000
- Invested annual pension = £3,000
- Invested annual surplus = £2,171
- Inflation of 2.5% / year
- Assumes New State Pension, payments increasing with inflation (2.5% / year)
- Assumes student loans last 30 years max
- Assumes a flex-drawdown pension for illustration purposes
- Assumes you draw down pension up to the higher rate bracket (£50,270), then draw down your S&S ISA
- Pension lump sums are not included