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
£5,036.45
Annual: £60,437.40
Take-home
£60,437.40
£5,036.45 / month
Take-home£60,437.40
Income Tax£21,832.00
NI£3,730.60
Student Loan£0.00
Pension£0.00
Weekly
£1,162.26
Daily
£232.45
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Full breakdown

Item Annual Monthly
Gross salary£86,000.00£7,166.67
Income Tax£21,832.00£1,819.33
National Insurance£3,730.60£310.88
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£60,437.40£5,036.45

Tax bands

BandRateTaxable amountTax paid
Basic rate 20% £37,700.00 £7,540.00
Higher rate 40% £35,730.00 £14,292.00
Additional rate 45% £0.00 £0.00

NI and student loan details

National Insurance
Main NI: £3,016.00
Upper NI: £714.60
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: 29.72%
Marginal rate: 42.0%
Estimates only - not financial advice.