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UK Take-Home Pay Calculator
Sign up to favourite this calculatorEstimate your take-home pay after Income Tax and employee National Insurance for the 2026–27 tax year. Enter a gross annual salary for England, Wales or Northern Ireland.
Estimated take-home pay
Take-home per month
£2,993.30Income Tax
£6,486Employee National Insurance
£2,594.40Effective deduction rate
20.18%Uses 2026–27 rates, last reviewed 30 August 2026.
- Gross annual salary
- £45,000
- Personal Allowance
- £12,570
- Taxable income
- £32,430
- First £32,430 of taxable income at 20%
- £6,486
- Income Tax
- £6,486
- Earnings between £12,570 and £50,270 at 8%
- £2,594.40
- Employee National Insurance
- £2,594.40
- Total estimated deductions
- £9,080.40
- Estimated annual take-home pay
- £35,919.60
- Estimated monthly take-home pay
- £2,993.30
- Effective deduction rate
- 20.18%
- Marginal Income Tax rate
- 20%
- Note
- All of your taxable income is within the 20% basic Income Tax rate.
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Assumptions and limits
- An estimate from the numbers you entered, for guidance only. It is not financial, tax or medical advice.
- Calculator version 1, rates last reviewed 30 August 2026, last updated 25 October 2026.
- Source: GOV.UK: Income Tax rates and Personal Allowances.
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How to use this calculator
Enter your gross annual salary — the figure before Income Tax, National Insurance, pension contributions and any other deductions — and choose whether you pay tax in England, Wales or Northern Ireland. The estimated take-home figure and the band-by-band breakdown update as you type.
This tool is for straightforward employment income in England, Wales and Northern Ireland, taxed under the standard Personal Allowance. Scotland uses different Income Tax bands and rates and is not included. It is an annual estimate, not a payslip or a tax return.
What do I need to enter?
- Annual salary before tax — your gross yearly employment income, from 0 to 10,000,000. Income Tax and National Insurance are both worked out from it.
- Where do you pay Income Tax? — England, Wales or Northern Ireland. All three use the same bands here; Scotland is not covered.
What do the results show?
- Estimated take-home pay — your salary after Income Tax and employee National Insurance, per year.
- Take-home per month — the yearly figure divided by 12.
- Income Tax and Employee National Insurance — each deduction for the year.
- Effective deduction rate — total deductions as a percentage of your salary.
- Summary tab — Personal Allowance, taxable income, each band's tax and your marginal Income Tax rate.
How is UK take-home pay calculated?
Take-home pay is your salary minus two deductions: Income Tax and employee Class 1 National Insurance. Both are charged progressively — each rate applies only to the slice of income inside its band, never to the whole salary.
Income Tax is worked out on taxable income: your salary minus the Personal Allowance. The standard Personal Allowance is £12,570. Above £100,000 it tapers away by £1 for every £2 earned, reaching £0 at £125,140. These are the Income Tax bands for 2026–27:
| Band of income | Income Tax rate |
|---|---|
| Up to £12,570 (Personal Allowance) | 0% |
| £12,571 to £50,270 | 20% |
| £50,271 to £125,140 | 40% |
| Above £125,140 | 45% |
Employee Class 1 National Insurance is charged on your earnings, not on taxable income, so the Personal Allowance does not apply. These are the rates for 2026–27:
| Band of annual earnings | Employee National Insurance rate |
|---|---|
| Up to £12,570 | 0% |
| £12,571 to £50,270 | 8% |
| Above £50,270 | 2% |
Take-home = salary − Income Tax − employee National Insurance
- Personal Allowance = £12,570, reduced by (salary − £100,000) ÷ 2 above £100,000
- Taxable income = salary − Personal Allowance
- Income Tax = 20% to £37,700 taxable, 40% to £125,140 taxable, 45% above
- Employee NI = 8% on salary from £12,570 to £50,270, then 2% above £50,270
- Effective deduction rate = total deductions ÷ salary
Worked example: a £45,000 salary. The Personal Allowance is £12,570, leaving £32,430 taxable. All of that sits in the 20% band, so Income Tax is £6,486. Employee National Insurance is 8% of the £32,430 earned above £12,570, or £2,594.40. Total deductions are £9,080.40, an effective rate of 20.18%, and estimated take-home pay is £35,919.60 a year — about £2,993.30 a month.
What this calculator does not cover
It estimates Income Tax and employee National Insurance on one gross employment salary, with the standard Personal Allowance. It treats your salary as your adjusted net income because pension contributions and Gift Aid are not included. It does not cover:
- Scotland and Scottish Income Tax
- Self-employment, rental, dividend or savings income, and capital gains
- Pension contributions, salary sacrifice and pension tax relief
- Student loan and postgraduate loan repayments
- Marriage Allowance, Gift Aid and the High Income Child Benefit Charge
- Benefits in kind such as a company car or private medical insurance
- PAYE tax codes, tax-code adjustments, and refunds or underpayments from earlier years
- Multiple jobs, bonuses, overtime, commission, irregular pay and payroll-period effects
- Employer National Insurance, Universal Credit, other benefits and childcare
- Tax, legal, financial, payroll or accounting advice
If you also repay a Student Loan or Postgraduate Loan, see the UK Student Loan Repayment Calculator to estimate that deduction alongside this one.
Disclaimer and sources
This calculator provides an annual estimate of Income Tax and employee National Insurance on straightforward employment income in England, Wales and Northern Ireland. It assumes the standard Personal Allowance and does not include pension contributions, student-loan repayments, tax-code adjustments, salary sacrifice, benefits, multiple jobs, bonuses, other income or other deductions. Your actual payslip may differ because PAYE and National Insurance are normally calculated through payroll each pay period. Check official GOV.UK guidance or speak to a qualified adviser before relying on this estimate.
Rates are based on official HMRC and GOV.UK guidance for the 2026–27 tax year, which runs from 6 April 2026 to 5 April 2027. Rates last reviewed 30 August 2026. Tax rules can change — confirm the current bands on GOV.UK before you rely on this figure.
Frequently asked questions
How is UK take-home pay calculated?
Take-home pay is your gross salary minus Income Tax and employee National Insurance. Income Tax is charged at 20% on taxable income up to £37,700, 40% from there to £125,140 and 45% above that, after a £12,570 Personal Allowance. Employee National Insurance is 8% on earnings between £12,570 and £50,270 and 2% above £50,270.
How much is take-home pay on a £45,000 salary in 2026–27?
On £45,000 the Personal Allowance is £12,570, leaving £32,430 taxable. Income Tax is £6,486 (20% of £32,430) and employee National Insurance is £2,594.40 (8% of £32,430). Estimated take-home pay is £35,919.60 a year, about £2,993.30 a month.
What is the Personal Allowance taper above £100,000?
For every £2 of income above £100,000, £1 of the £12,570 Personal Allowance is withdrawn, so it reaches £0 at £125,140. In that band each extra £1 of pay also exposes 50p to 40% tax, giving an effective 60% marginal Income Tax rate before National Insurance.
What is a marginal tax rate?
Your marginal Income Tax rate is the rate that applies to your next £1 of taxable income: 0% within the allowance, then 20%, 40%, an effective 60% in the £100,000–£125,140 taper band, and 45% above £125,140. It is not the same as your effective rate, which is total deductions divided by gross pay.
Does this calculator work for Scotland?
No. Scotland sets its own Income Tax bands and rates, with more bands than the rest of the UK. This calculator covers England, Wales and Northern Ireland only. National Insurance is the same across the UK, but Scottish Income Tax is not, so Scottish taxpayers should not rely on this estimate.
Why might my payslip differ from this estimate?
Payroll works out Income Tax and National Insurance for each pay period using your tax code, not purely on an annual basis, so a month with a bonus or a mid-year pay change can differ. This tool also ignores pension contributions, salary sacrifice, student loan repayments, benefits in kind and any other income or deductions.
Last updated 25 October 2026. Rates last reviewed 30 August 2026. Source: GOV.UK: Income Tax rates and Personal Allowances.