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
£5,998.12
Annual: £71,977.40
Take-home
£71,977.40
£5,998.12 / month
Take-home£71,977.40
Income Tax£32,832.00
NI£4,190.60
Student Loan£0.00
Pension£0.00
Weekly
£1,384.18
Daily
£276.84
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Full breakdown

Item Annual Monthly
Gross salary£109,000.00£9,083.33
Income Tax£32,832.00£2,736.00
National Insurance£4,190.60£349.22
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£71,977.40£5,998.12

Tax bands

BandRateTaxable amountTax paid
Basic rate 20% £37,700.00 £7,540.00
Higher rate 40% £63,230.00 £25,292.00
Additional rate 45% £0.00 £0.00

NI and student loan details

National Insurance
Main NI: £3,016.00
Upper NI: £1,174.60
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: 33.97%
Marginal rate: 62.0%
Estimates only - not financial advice.