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
£6,538.99
Annual: £78,467.90
Take-home
£78,467.90
£6,538.99 / month
Take-home£78,467.90
Income Tax£43,981.50
NI£4,550.60
Student Loan£0.00
Pension£0.00
Weekly
£1,509.00
Daily
£301.80
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Full breakdown

Item Annual Monthly
Gross salary£127,000.00£10,583.33
Income Tax£43,981.50£3,665.12
National Insurance£4,550.60£379.22
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£78,467.90£6,538.99

Tax bands

BandRateTaxable amountTax paid
Basic rate 20% £37,700.00 £7,540.00
Higher rate 40% £74,870.00 £29,948.00
Additional rate 45% £14,430.00 £6,493.50

NI and student loan details

National Insurance
Main NI: £3,016.00
Upper NI: £1,534.60
Student Loan
Plan: none
Repayment: £0.00

Assumptions

Tax year: 2025/26
Region: northern-ireland
Tax code: 1257L
NI category: A
Student loan: none
Pension: 0%
Salary sacrifice: No
Effective tax rate: 38.21%
Marginal rate: 47.0%
Estimates only - not financial advice.