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
£2,955.59
Annual: £35,467.12
Take-home
£35,467.12
£2,955.59 / month
Take-home£35,467.12
Income Tax£6,938.48
NI£2,594.40
Student Loan£0.00
Pension£0.00
Weekly
£682.06
Daily
£136.41
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Full breakdown

Item Annual Monthly
Gross salary£45,000.00£3,750.00
Income Tax£6,938.48£578.21
National Insurance£2,594.40£216.20
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£35,467.12£2,955.59

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% £1,338.00 £561.96
Advanced rate 45% £0.00 £0.00
Top rate 48% £0.00 £0.00

NI and student loan details

National Insurance
Main NI: £2,594.40
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: 21.18%
Marginal rate: 50.0%
Estimates only - not financial advice.