Enter your gross salary to estimate your take-home pay after tax and National Insurance.
Take-home pay
| Yearly (£) | |||
|---|---|---|---|
| Total Income | 0.00 | 0.00 | |
| Base salary | 0.00 | 0.00 | |
| Earnings Breakdown | |||
| Taxable income | 0.00 | 0.00 | |
| Deductions | 0.00 | 0.00 | |
| Take Home Pay | 0.00 | 0.00 | |
Start with your gross pay. This is the total annual amount your employer pays before any deductions.
Subtract your personal allowance. Most people have a tax-free personal allowance of £12,570. It is reduced by £1 for every £2 of income above £100,000.
Calculate income tax on the remainder. In England, Wales, and Northern Ireland, the basic rate is 20%, higher rate 40%, and additional rate 45%. In Scotland, six separate bands apply.
Deduct National Insurance contributions. Employees pay 8% on earnings between £12,570 and £50,270, plus 2% on earnings above £50,270.
Account for pension contributions. Any workplace pension contributions are deducted from your pay.
Deduct student loan repayments. Repayments are 9% of income above your plan's threshold, or 6% for postgraduate loans.
The pay that you receive after these deductions is your take-home pay. In the UK, this is affected by income tax, National Insurance, pension payments, and student loans. For an explanation of how UK tax bands and rules work, visit How UK Salary Is Calculated.
There could be different reasons why there is minimal variance between this calculator and your payslip: pension in a different form (either salary sacrifice or relief at source), a non-standard tax code, multiple employments, salary sacrifice arrangements, Scottish vs rest-of-UK tax bands, or changes in tax code caused within the year (explained in Why Salary Calculators Give Different Results).
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England, no pension, no student loan, tax code 1257L.
£2,093.30/mo
England, no pension, no student loan, tax code 1257L.
£2,993.30/mo
With pension and student loan contributions switched off, net monthly pay is calculated assuming a 2025/26 tax year, a tax code of 1257L, and a sole PAYE employment. Full assumptions & methodology
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