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
£4,142.58
Annual: £49,710.92
Take-home
£49,710.92
£4,142.58 / month
Take-home£49,710.92
Income Tax£17,858.48
NI£3,430.60
Student Loan£0.00
Pension£0.00
Weekly
£955.98
Daily
£191.20
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Full breakdown

Item Annual Monthly
Gross salary£71,000.00£5,916.67
Income Tax£17,858.48£1,488.21
National Insurance£3,430.60£285.88
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£49,710.92£4,142.58

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% £27,338.00 £11,481.96
Advanced rate 45% £0.00 £0.00
Top rate 48% £0.00 £0.00

NI and student loan details

National Insurance
Main NI: £3,016.00
Upper NI: £414.60
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: 29.98%
Marginal rate: 44.0%
Estimates only - not financial advice.