Calculate your take-home pay with the latest UK tax rules.
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Net Take Home Pay
Enter your gross salary and instantly see your net pay broken down annually, monthly, and weekly — using the latest HMRC rates and thresholds.
What is a take home pay calculator?
A take home pay calculator works out your net salary — the actual amount you receive after all statutory deductions have been taken from your gross pay. Your gross salary is the figure in your employment contract, but your employer is legally required to deduct income tax and National Insurance contributions (NICs) before paying you.
Depending on your circumstances, student loan repayments and pension contributions are also deducted at source. The calculator applies each of these in the correct order, using HMRC’s 2025/26 tax year rules (6 April 2025 to 5 April 2026), to give you the most accurate estimate possible.
Good to know: Salary sacrifice pension contributions are deducted before tax is calculated, reducing your taxable income and lowering both your income tax and NI bills at the same time.
How UK Income Tax Works
In the UK, income tax is calculated on a progressive band system. This means you only pay each rate on the portion of income that falls within that band — not your entire salary. For the 2025/26 tax year, the bands in England, Wales, and Northern Ireland are:
| Tax Band | Taxable Income | Tax Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic Rate | £12,571 – £50,270 | 20% |
| Higher Rate | £50,271 – £125,140 | 40% |
| Additional Rate | Over £125,140 | 45% |
H2: £50,000 Salary After Tax UK (2025/26)
If you earn £50,000 per year in the UK, your take-home pay after tax and National Insurance is approximately:
- Annual net salary: ~£37,000
- Monthly take-home: ~£3,080
- Income tax: ~£7,500
- National Insurance: ~£5,500
This will vary depending on pension contributions, student loan repayments, and tax code.
Compared to £45,000 salary after tax UK, your net income increases but also moves further into higher tax brackets.
Note: Scottish residents pay different income tax rates under the Scottish Rate of Income Tax (SRIT). Our calculator covers England, Wales, and Northern Ireland rates.
National Insurance Explained
National Insurance (NI) is a separate deduction from income tax. As an employee in 2025/26, you pay Class 1 National Insurance contributions on your earnings. The rates are:
- 0% on earnings up to £12,570 per year (the Primary Threshold)
- 12% on earnings between £12,570 and £50,270
- 2% on earnings above £50,270
National Insurance contributions go towards your State Pension entitlement, as well as other benefits such as Statutory Sick Pay and Maternity Pay. Your employer also pays their own NI contributions on top of your salary — this is separate to what comes out of your pay.
The 2% higher-rate NI threshold affects salaries above £50,270. If you earn around this level, compare our £50,000 after tax and £55,000 after tax pages to see exactly how the threshold changes your net pay.
Student Loan Repayments in the UK
If you have a student loan, repayments are collected through your employer’s payroll via HMRC — just like tax. The repayment rate depends on which plan you are on:
| Plan | Repayment Threshold | Rate |
|---|---|---|
| Plan 1 | 9% of earnings above £24,990/yr | 9% |
| Plan 2 | 9% of earnings above £27,295/yr | 9% |
| Plan 4 (Scotland) | 9% of earnings above £31,395/yr | 9% |
| Plan 5 | 9% of earnings above £25,000/yr | 9% |
| Postgraduate Loan | 6% of earnings above £21,000/yr | 6% |
Our calculator lets you select your student loan plan so your take home pay figure is as accurate as possible. Student loan repayments begin to bite around the £25,000–£30,000 salary range — see our £25,000 and £30,000 after tax pages for detailed examples.
How to Use the Take Home Pay Calculator
Using our calculator takes less than a minute. Here is what to do:
- Enter your gross annual salary (or select hourly, daily, weekly, or monthly if that is easier)
- Choose your pay frequency — annual, monthly, or weekly
- Select your tax code (the default 1257L is correct for most people)
- Indicate whether you are enrolled in a pension scheme and enter your contribution percentage
- Select your student loan plan if relevant
- ClickCalculate— your results appear instantly
Your results will show your gross pay, income tax, National Insurance, student loan deductions, pension contributions, and your final take home pay — broken down annually, monthly, and weekly.
Example Salary Calculation
Let us look at a straightforward example. Suppose you earn £35,000 a year with no pension contributions and no student loan. Here is roughly what your deductions and take home pay would look like for 2025/26:
£35,000 Salary — 2025/26 Estimate
- Gross annual salary £35,000
Income tax ≈ £4,486 - National Insurance ≈ £1,794
- Monthly take home ≈ £2,393
- Annual take home ≈ £28,720
Note: These figures are estimates based on the standard 1257L tax code. Your actual take home pay may differ depending on your tax code, pension contributions, student loan plan, or any other deductions agreed with your employer.
SALARIES NEAR £35,000 — SEE FULL BREAKDOWNS
Earning closer to the higher-rate tax threshold? Our £55,000 after tax guide shows how deductions change above £50,270, with links to every salary between £60,000 and £70,000.
FAQs
What is the difference between gross pay and net pay?
Gross pay is your salary before any deductions. Net pay—or take home pay — is what you receive after income tax, National Insurance, and any other deductions have been taken off.
What tax code should I use?
Most UK employees are on tax code 1257L, which gives you the standard personal allowance of £12,570. If your tax code is different (you can find it on your payslip or P60), enter it into the calculator for a more accurate result.
Does the calculator work for part-time or hourly workers?
Yes. You can enter your hourly rate or weekly hours, and the calculator will work out your annual equivalent salary and apply the correct tax and NI deductions. Our £20,000 and £25,000 after tax pages are popular references for part-time and entry-level roles.
Do I need to include bonuses or overtime?
For a more accurate picture, you can add any regular bonuses or overtime to your gross salary figure before calculating. Bear in mind that large one-off bonuses may push you into a higher tax band temporarily. For example, a £45,000 base salary with a bonus could move you toward the £55,000 bracket.
How often are the rates updated?
Our calculator is updated at the start of each new tax year (6 April) to reflect the latest HMRC rates and thresholds. Always check that you are using the correct tax year when calculating your take-home pay.