UK Take-Home Pay Calculator (2025/26)

Instant net pay from any salary. Income Tax, National Insurance, student loan and pension, with full assumptions and breakdown.

Inputs

£
Region

If unknown, leave as 1257L. This is an estimate helper.

0%
Advanced options

Current calculation uses Category A rates for NI estimate.

Results

Monthly take-home
£5,839.78
Annual: £70,077.40
Take-home
£70,077.40
£5,839.78 / month
Take-home£70,077.40
Income Tax£29,832.00
NI£4,090.60
Student Loan£0.00
Pension£0.00
Weekly
£1,347.64
Daily
£269.53
Share this result

Full breakdown

Item Annual Monthly
Gross salary£104,000.00£8,666.67
Income Tax£29,832.00£2,486.00
National Insurance£4,090.60£340.88
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£70,077.40£5,839.78

Tax bands

BandRateTaxable amountTax paid
Basic rate 20% £37,700.00 £7,540.00
Higher rate 40% £55,730.00 £22,292.00
Additional rate 45% £0.00 £0.00

NI and student loan details

National Insurance
Main NI: £3,016.00
Upper NI: £1,074.60
Student Loan
Plan: none
Repayment: £0.00

Assumptions

Tax year: 2025/26
Region: england
Tax code: 1257L
NI category: A
Student loan: none
Pension: 0%
Salary sacrifice: No
Effective tax rate: 32.62%
Marginal rate: 62.0%
Estimates only - not financial advice.