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
£8,660.13
Annual: £103,921.52
Take-home
£103,921.52
£8,660.13 / month
Take-home£103,921.52
Income Tax£78,307.88
NI£5,770.60
Student Loan£0.00
Pension£0.00
Weekly
£1,998.49
Daily
£399.70
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Full breakdown

Item Annual Monthly
Gross salary£188,000.00£15,666.67
Income Tax£78,307.88£6,525.66
National Insurance£5,770.60£480.88
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£103,921.52£8,660.13

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% £50,140.00 £22,563.00
Top rate 48% £75,430.00 £36,206.40

NI and student loan details

National Insurance
Main NI: £3,016.00
Upper NI: £2,754.60
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: 44.72%
Marginal rate: 50.0%
Estimates only - not financial advice.