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
£5,662.16
Annual: £67,945.92
Take-home
£67,945.92
£5,662.16 / month
Take-home£67,945.92
Income Tax£36,863.48
NI£4,190.60
Student Loan£0.00
Pension£0.00
Weekly
£1,306.65
Daily
£261.33
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Full breakdown

Item Annual Monthly
Gross salary£109,000.00£9,083.33
Income Tax£36,863.48£3,071.96
National Insurance£4,190.60£349.22
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£67,945.92£5,662.16

Tax bands

BandRateTaxable amountTax paid
Starter rate 19% £2,162.00 £410.78
Basic rate 20% £10,956.00 £2,191.20
Intermediate rate 21% £17,974.00 £3,774.54
Higher rate 42% £31,338.00 £13,161.96
Advanced rate 45% £38,500.00 £17,325.00
Top rate 48% £0.00 £0.00

NI and student loan details

National Insurance
Main NI: £3,016.00
Upper NI: £1,174.60
Student Loan
Plan: none
Repayment: £0.00

Assumptions

Tax year: 2025/26
Region: scotland
Tax code: 1257L
NI category: A
Student loan: none
Pension: 0%
Salary sacrifice: No
Effective tax rate: 37.66%
Marginal rate: 69.5%
Estimates only - not financial advice.