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
£3,344.78
Annual: £40,137.40
Take-home
£40,137.40
£3,344.78 / month
Take-home£40,137.40
Income Tax£7,832.00
NI£3,030.60
Student Loan£0.00
Pension£0.00
Weekly
£771.87
Daily
£154.37
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Full breakdown

Item Annual Monthly
Gross salary£51,000.00£4,250.00
Income Tax£7,832.00£652.67
National Insurance£3,030.60£252.55
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£40,137.40£3,344.78

Tax bands

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

NI and student loan details

National Insurance
Main NI: £3,016.00
Upper NI: £14.60
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: 21.3%
Marginal rate: 42.0%
Estimates only - not financial advice.