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
£6,980.66
Annual: £83,767.90
Take-home
£83,767.90
£6,980.66 / month
Take-home£83,767.90
Income Tax£48,481.50
NI£4,750.60
Student Loan£0.00
Pension£0.00
Weekly
£1,610.92
Daily
£322.18
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Full breakdown

Item Annual Monthly
Gross salary£137,000.00£11,416.67
Income Tax£48,481.50£4,040.12
National Insurance£4,750.60£395.88
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£83,767.90£6,980.66

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% £24,430.00 £10,993.50

NI and student loan details

National Insurance
Main NI: £3,016.00
Upper NI: £1,734.60
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: 38.86%
Marginal rate: 47.0%
Estimates only - not financial advice.