UK take-home pay calculator
Enter your gross salary and see what you take home after income tax and National Insurance, using the 2026/27 rates. You can enter your salary per year, month or week and add a pension contribution. The result shows your take-home pay per month, plus per year and per week.
Before tax. An amount such as 45,000 or 45000.50 works.
Optional. The part of your salary that you pay into your pension yourself, for example 5.
Fill in the fields; the answer appears here straight away.
How it's worked out
How it works
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Enter the values
Type the numbers or the formula. Decimals may use a point or a comma. No idea? Click Fill in an example.
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Instant answer
The answer appears as you type, with the most important intermediate values.
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See the working
Under "How it's worked out" you see the steps, handy for checking your own calculation.
How your pay is calculated
- Pension: if you enter a percentage, we take it off your gross salary before income tax (a net pay arrangement).
- Personal allowance: the first £12,570 of your income is tax-free. Above £100,000 it reduces by £1 for every £2.
- Income tax: 20% on the next £37,700, 40% up to £125,140 of taxable income and 45% above that.
- National Insurance: 8% on your pay between £12,570 and £50,270, and 2% above £50,270.
- Take-home pay: gross salary minus pension, income tax and National Insurance.
An example
On a salary of £45,000 with a 5% pension, the pension is £2,250, which leaves £42,750. Income tax is 20% of £30,180 (that is £42,750 less the £12,570 allowance), so £6,036. National Insurance is 8% of £32,430, so £2,594. Your take-home pay is about £34,120 a year, or £2,843 a month.
What is not included
- Scottish income tax bands, which differ from the rest of the UK.
- Student loan and postgraduate loan repayments.
- Salary sacrifice, the Cycle to Work scheme and other deductions before tax.
- Taxable benefits such as a company car, and a different tax code.
- Bonuses taxed in a different pay period.
Self-employed? You pay Class 4 National Insurance instead, and invoice your clients. Use the invoice generator for the bills and the VAT calculator for the VAT.
Frequently asked questions
How is take-home pay worked out?
From your gross salary we take income tax and National Insurance, plus your own pension contribution if you enter one. What is left is your take-home pay. Income tax is charged on what you earn above your personal allowance, in bands of 20%, 40% and 45%.
What is the personal allowance?
The first £12,570 of your income is free of income tax. If you earn more than £100,000 the allowance shrinks by £1 for every £2 above that, and it is gone at £125,140.
How does National Insurance work?
Employees pay Class 1 National Insurance of 8% on earnings between £12,570 and £50,270 a year, and 2% on earnings above that. It is not reduced by a pension contribution paid from net pay.
Does the calculator include student loans or Scottish rates?
No. The calculation is for England, Wales and Northern Ireland and leaves out student loan repayments, salary sacrifice and benefits in kind. Use your payslip or HMRC's tools for an exact figure.
Why does my payslip show a different amount?
Your payslip uses your tax code and your pay period, and may include things we don't, such as a different pension arrangement, a company car, a student loan or a Scottish tax rate. This calculator works on the whole year and is a good estimate.