UK Take-Home Pay Calculator
Find out exactly what lands in your bank account each month after income tax, National Insurance, pension and student loan.
More options — tax code, bonus, overtime, benefits
Your numbers at a glance
Breakdown
Where your money goes
Every line your payroll would deduct, in the order it is taken.
Income tax
How your tax is worked out
Your income is taxed in slices. Only the part inside each band is charged at that band’s rate.
Every period
Your pay, every way
Gross against take-home, from a year down to a single hour.
Compare
Nearby salaries
What a raise would actually be worth after tax.
Explained
How much income tax will I pay?
In England, Wales and Northern Ireland the first £12,570 you earn is tax free. After that, tax is charged in three bands.
| Band | Taxable income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
Crossing £50,270 does not tax everything at 40%
Only the pounds above £50,270 are charged at the higher rate. A £51,000 salary pays 40% on £730 — about £292 — not on the whole amount.
The 60% trap between £100,000 and £125,140
Your Personal Allowance shrinks by £1 for every £2 you earn over £100,000. That pushes the effective rate on that slice to 60%. Watch the marginal rate above as you change your salary.
Gross and net
What the gap between them is made of
Gross pay is the figure in your contract. Net pay is what reaches your bank. Four things sit in between.
Income tax
Charged on everything above your Personal Allowance, in bands. The single largest deduction for most people.
National Insurance
8% of earnings between £12,570 and £50,270, then 2% above that. It does not fall when you cross into higher-rate tax.
Pension
Comes out before or after tax depending on the scheme. The three types are not equal — see below.
Student loan
A percentage of earnings above your plan threshold. Not a tax, but it leaves your payslip the same way.
A worked example
On £35,000 with no pension the gap is about £6,280 a year. On £60,000 it is roughly £14,600 — not because the rules changed, but because more of the money now sits in the 40% band.
Reference
Monthly take-home at common salaries
2026/27 rates, England and Wales, standard 1257L tax code, no pension and no student loan.
| Salary | Per year | Per month | You keep |
|---|---|---|---|
| £25,000 | £21,120 | £1,760 | 84.5% |
| £30,000 | £25,120 | £2,093 | 83.7% |
| £35,000 | £28,720 | £2,393 | 82.1% |
| £40,000 | £32,320 | £2,693 | 80.8% |
| £45,000 | £35,920 | £2,993 | 79.8% |
| £50,000 | £39,520 | £3,293 | 79.0% |
| £60,000 | £45,357 | £3,780 | 75.6% |
| £70,000 | £51,157 | £4,263 | 73.1% |
| £80,000 | £56,957 | £4,746 | 71.2% |
| £100,000 | £68,557 | £5,713 | 68.6% |
Scotland
Take-home pay in Scotland
Scotland sets its own income tax and has six bands instead of three. National Insurance is identical across the UK, so only the tax changes.
| Band | Income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Starter rate | £12,571 to £16,537 | 19% |
| Basic rate | £16,538 to £29,526 | 20% |
| Intermediate rate | £29,527 to £43,662 | 21% |
| Higher rate | £43,663 to £75,000 | 42% |
| Advanced rate | £75,001 to £125,140 | 45% |
| Top rate | Over £125,140 | 48% |
The crossover is around £29,000
Below it a Scottish taxpayer keeps slightly more than someone in England on the same salary. Above it they keep less, and the gap widens sharply at £43,663 where the 42% rate begins — nearly £7,000 earlier than England’s 40% band.
Open the Scotland take-home pay calculator to see your figure side by side with England.
Pensions
Three pension types, three different answers
Most calculators handle one. The same contribution into the same pot leaves you with a different take-home depending on how it is paid.
Salary sacrifice
Your salary is reduced before anything is calculated, so you save income tax and National Insurance.
take-home on £60,000 at 10%
Workplace (net pay)
Taken before tax but after NI. You save tax only.
take-home on £60,000 at 10%
Personal (relief at source)
Paid from take-home; the provider adds 25%. Higher-rate taxpayers claim a further 20% back, which this calculator applies for you.
take-home on £60,000 at 10%
£1,020 a year, for nothing
Same £6,000 going into the same pension. Salary sacrifice leaves £1,020 more in your pocket than a personal pension does, because it avoids National Insurance as well as tax.
Student loans
What you repay, and when it starts
You repay a percentage of everything above your plan threshold — never a percentage of your whole salary.
| Plan | Who it applies to | Threshold | Rate |
|---|---|---|---|
| Plan 1 | Started before Sept 2012, or Northern Ireland | £26,900 | 9% |
| Plan 2 | Sept 2012 to July 2023, England and Wales | £29,385 | 9% |
| Plan 4 | Scotland | £33,795 | 9% |
| Plan 5 | Started Aug 2023 or later, England | £25,000 | 9% |
| Postgraduate | Master’s or doctoral loan | £21,000 | 6% |
Two loans run at once
A postgraduate loan sits alongside an undergraduate plan. On Plan 2 with a postgraduate loan you repay 15% combined on income above £29,385. Tick Postgraduate loan as well to include it.
Timing
The 2026/27 tax year
6 April 2026
New rates take effect. Everything on this page is set to them.
5 April 2027
The year closes. Allowances do not carry over.
Why it matters
A calculator that has not been updated will quietly hand you last year’s answer without saying so.
Questions
Common questions
How do I work out my take-home pay?
Start with your gross salary and subtract your Personal Allowance. Apply the tax bands to what is left. Then subtract National Insurance — 8% on earnings between £12,570 and £50,270, and 2% above that. Take off any pension contribution and student loan repayment. What remains is your take-home pay.
What is take-home pay in the UK?
Take-home pay, also called net pay, is what is left after income tax, National Insurance, pension contributions and student loan repayments have come out of your gross salary. It is the number that actually reaches your bank account.
Why is my real payslip different from this?
Usually your tax code. If yours is not 1257L, enter it under More options and the figures will update. Other causes are a non-cumulative W1 or M1 code after changing jobs, benefits in kind such as a company car, or payroll spreading a bonus across the year.
Does this include employer National Insurance?
It is shown but never deducted from you. Your employer pays 15% on everything you earn above £5,000 a year, on top of your salary. It does not appear on your payslip, but it is part of what you cost.
Is this the same for Wales and Northern Ireland?
Yes. Wales and Northern Ireland use the same rates and bands as England. Only Scotland differs — tick I live in Scotland for Scottish rates.
All figures use 2026/27 UK rates and are an estimate for guidance, not tax advice. Sources: HMRC rates and thresholds 2026 to 2027, Income Tax rates and Personal Allowances, Repaying your student loan. Last reviewed 14 September 2026.