Take Home Pay Calculator UK

Your take-home pay is your gross pay minus income tax, National Insurance, any student loan repayment and any pension contribution taken through payroll. To calculate salary after tax by hand, work out each deduction on its own slice of your pay and subtract them all from your gross salary. The calculator above does this for you and lists every line in its gross to net breakdown.

Net pay, also called net salary or in-hand salary, is the amount that reaches your bank account. A net pay calculator and an in-hand salary calculator answer the same question, and every take home salary calculator follows the steps below. What changes the answer is where you live, your tax code, your pension scheme and any student loan.

The tax-free Personal Allowance

The first £12,570 of income in a tax year is free of income tax. This is the Personal Allowance, and it is what the usual tax code 1257L means. Once your income passes £100,000, the allowance shrinks by £1 for every £2 over, so it is gone completely at £125,140.

Some people get more. Blind Person's Allowance adds £3,250 of tax-free pay. If your spouse or civil partner transfers £1,260 of their allowance to you through Marriage Allowance, your tax falls by up to £252, as long as you pay no tax above the basic rate.

Income tax bands for 2026/27

In England, Wales and Northern Ireland, income above your allowance is taxed at 20% on the first £37,700, 40% on the next slice up to £125,140, and 45% on anything above that. Only the income inside each band is taxed at that band's rate.

Scotland has six bands. With the standard allowance they are: 19% from £12,571 to £16,537, 20% to £29,526, 21% to £43,662, 42% to £75,000, 45% to £125,140 and 48% above that. The points where the basic and intermediate rates start both rose by 7.4% this year.

National Insurance

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 the same everywhere in the UK and does not depend on your tax code.

Your employer pays its own National Insurance on top of your salary: 15% on pay above £5,000 a year for most employees. For staff under 21 and apprentices under 25 the employer pays nothing up to £50,270. Employer NI never comes out of your pay, but it is part of what employing you costs, so the calculator shows it.

Student loan repayments

Student loan repayments are taken through payroll at 9% of your pay above your plan's threshold: £26,900 for Plan 1, £29,385 for Plan 2, £33,795 for Plan 4 and £25,000 for Plan 5. A Postgraduate Loan is 6% of pay above £21,000, taken on top of any other plan. With more than one undergraduate plan you still make one repayment: 9% of pay above the lowest of your thresholds.

Pension contributions and salary sacrifice

With relief at source, your contribution comes out of your pay after tax and your provider adds 20% tax relief, so £100 in your pension costs you £80. Under a net pay arrangement the contribution is taken before income tax but not before National Insurance. Salary sacrifice lowers your salary itself, which saves income tax, National Insurance and student loan repayments, and your employer pays less National Insurance too.

How much of a bonus do you take home?

A bonus is taxed through PAYE with the rest of your pay, so you keep what is left after your highest rates of income tax and National Insurance. On a £45,000 salary, a £5,000 bonus adds £3,600.00 to your take-home pay. On £60,000 the same bonus adds £2,900.00, because it is taxed at 40%. Between £100,000 and £125,140 the shrinking allowance makes the loss steeper still: a £10,000 bonus on £100,000 adds only £3,800.00.

To use the page as a bonus take home pay calculator, enter the bonus in its own box. The result is for the whole year. National Insurance is worked out each payday, so a bonus paid in one month is often charged a little less NI than the yearly figure shows.

On a £30,000 salary you take home £25,119.60 a year, or £2,093.30 a month, in England, Wales and Northern Ireland. The table shows other common salaries with the 1257L tax code, no pension and no student loan. Select a salary for its full breakdown, or enter your own above to estimate take-home pay in the UK for any salary.

In Scotland the figures part company once pay reaches the intermediate rate. On £45,000, a Scottish taxpayer takes home £35,523.55 a year, £396.05 less than in the rest of the UK.

Monthly and hourly take-home pay

Choose Month above the results to use the page as a monthly take home pay calculator: each figure is your take-home after tax divided by 12. To use it as an hourly take-home calculator, enter the hours you usually work in a week, and the yearly take-home is divided by 52 weeks of those hours. If you are paid by the hour, multiply your rate by your weekly hours and by 52 to find the salary to enter: £15 an hour for 37.5 hours a week is £29,250 a year.

Each salary below has its own page with the full breakdown, what changes with a student loan, a pension or a move to Scotland, and the salaries either side.

• £25,000
• £30,000
• £35,000
• £40,000
• £45,000
• £50,000
• £55,000
• £60,000
• £65,000
• £70,000
• £80,000
• £90,000
• £100,000
• £120,000
• £150,000

The median full-time employee in the UK earned £40,911 in the year to April 2026, according to the Office for National Statistics. On that salary you take home £32,975.52 a year, or £2,747.96 a month, in England, Wales and Northern Ireland at 2026/27 rates.

The median is the middle salary: half of full-time employees earn more and half earn less. The ONS figure covers people who had been in the same job for at least a year. Median weekly pay for full-time employees was £811.20 in April 2026, up 5.8% on a year earlier.

The National Living Wage is £12.71 an hour from 1 April 2026 for workers aged 21 and over. Working 37.5 hours a week all year, that is £24,784.50 before tax and £21,364.44 after it, or £1,780.37 a month.

The minimum wage for 18 to 20 year olds is £10.85 an hour, and £8.00 for under-18s and apprentices. Enter your hourly rate times your weekly hours times 52 as the salary to see your own figure.

Take-home pay in London is worked out the same way as anywhere else in England. There is no London rate of income tax or National Insurance, so a take-home pay calculator for London gives the same answer as one for Leeds: choose England, Wales or NI and enter your full salary, including any London weighting or allowance.

London pay is rising faster than anywhere else. The ONS found that median weekly earnings for full-time employees in London grew 8.2% in the year to April 2026, the highest of any region.

HMRC's own estimator gives the same answers as this calculator to within a few pounds a year. We ran eight salaries through HMRC's PAYE estimator on 23 October 2026. The results matched to the penny at £130,000 and with a K500 tax code, and differed by £1.80 to £3.78 elsewhere, because HMRC treats the 1257L code as £12,579 of tax-free pay (the code's number times ten, plus nine) rather than £12,570.

To calculate take-home pay with HMRC directly, its estimator asks for your pay first and then optional questions about your tax code, Scottish tax, pension and student loan, one page at a time. It has no salary sacrifice option, rounds student loan repayments down to whole pounds and shows yearly, monthly and weekly figures. This after-tax salary calculator adds salary sacrifice, several loan plans at once, the hourly figure and what you cost your employer.

On a salary of £45,000 in England, the first £12,570 is tax-free, leaving £32,430 taxed at 20%: £6,486.00 of income tax. National Insurance is 8% of the same £32,430, which is £2,594.40.

That leaves a take-home of £35,919.60 a year, or £2,993.30 a month. With a Plan 2 student loan, 9% of the £15,615 above the threshold, £1,405.35, comes off as well, leaving £2,876.19 a month. The employer pays a further £6,000.00 in National Insurance.