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
£1,675.10
Annual: £20,101.22
Take-home
£20,101.22
£1,675.10 / month
Take-home£20,101.22
Income Tax£2,064.38
NI£834.40
Student Loan£0.00
Pension£0.00
Weekly
£386.56
Daily
£77.31
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Full breakdown

Item Annual Monthly
Gross salary£23,000.00£1,916.67
Income Tax£2,064.38£172.03
National Insurance£834.40£69.53
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£20,101.22£1,675.10

Tax bands

BandRateTaxable amountTax paid
Starter rate 19% £2,162.00 £410.78
Basic rate 20% £8,268.00 £1,653.60
Intermediate rate 21% £0.00 £0.00
Higher rate 42% £0.00 £0.00
Advanced rate 45% £0.00 £0.00
Top rate 48% £0.00 £0.00

NI and student loan details

National Insurance
Main NI: £834.40
Upper NI: £0.00
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: 12.6%
Marginal rate: 28.0%
Estimates only - not financial advice.