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
£3,038.93
Annual: £36,467.12
Take-home
£36,467.12
£3,038.93 / month
Take-home£36,467.12
Income Tax£7,778.48
NI£2,754.40
Student Loan£0.00
Pension£0.00
Weekly
£701.29
Daily
£140.26
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Full breakdown

Item Annual Monthly
Gross salary£47,000.00£3,916.67
Income Tax£7,778.48£648.21
National Insurance£2,754.40£229.53
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£36,467.12£3,038.93

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% £3,338.00 £1,401.96
Advanced rate 45% £0.00 £0.00
Top rate 48% £0.00 £0.00

NI and student loan details

National Insurance
Main NI: £2,754.40
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: 22.41%
Marginal rate: 50.0%
Estimates only - not financial advice.