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
£4,649.78
Annual: £55,797.40
Take-home
£55,797.40
£4,649.78 / month
Take-home£55,797.40
Income Tax£18,632.00
NI£3,570.60
Student Loan£0.00
Pension£0.00
Weekly
£1,073.03
Daily
£214.61
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Full breakdown

Item Annual Monthly
Gross salary£78,000.00£6,500.00
Income Tax£18,632.00£1,552.67
National Insurance£3,570.60£297.55
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£55,797.40£4,649.78

Tax bands

BandRateTaxable amountTax paid
Basic rate 20% £37,700.00 £7,540.00
Higher rate 40% £27,730.00 £11,092.00
Additional rate 45% £0.00 £0.00

NI and student loan details

National Insurance
Main NI: £3,016.00
Upper NI: £554.60
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: 28.46%
Marginal rate: 42.0%
Estimates only - not financial advice.