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
£2,446.51
Annual: £29,358.10
Take-home
£29,358.10
£2,446.51 / month
Take-home£29,358.10
Income Tax£4,767.50
NI£1,874.40
Student Loan£0.00
Pension£0.00
Weekly
£564.58
Daily
£112.92
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Full breakdown

Item Annual Monthly
Gross salary£36,000.00£3,000.00
Income Tax£4,767.50£397.29
National Insurance£1,874.40£156.20
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£29,358.10£2,446.51

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% £10,312.00 £2,165.52
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: £1,874.40
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: 18.45%
Marginal rate: 29.0%
Estimates only - not financial advice.