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
£2,032.34
Annual: £24,388.10
Take-home
£24,388.10
£2,032.34 / month
Take-home£24,388.10
Income Tax£3,297.50
NI£1,314.40
Student Loan£0.00
Pension£0.00
Weekly
£469.00
Daily
£93.80
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Full breakdown

Item Annual Monthly
Gross salary£29,000.00£2,416.67
Income Tax£3,297.50£274.79
National Insurance£1,314.40£109.53
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£24,388.10£2,032.34

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% £3,312.00 £695.52
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: £1,314.40
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: 15.9%
Marginal rate: 29.0%
Estimates only - not financial advice.