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
£5,300.91
Annual: £63,610.92
Take-home
£63,610.92
£5,300.91 / month
Take-home£63,610.92
Income Tax£29,438.48
NI£3,950.60
Student Loan£0.00
Pension£0.00
Weekly
£1,223.29
Daily
£244.66
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Full breakdown

Item Annual Monthly
Gross salary£97,000.00£8,083.33
Income Tax£29,438.48£2,453.21
National Insurance£3,950.60£329.22
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£63,610.92£5,300.91

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% £31,338.00 £13,161.96
Advanced rate 45% £22,000.00 £9,900.00
Top rate 48% £0.00 £0.00

NI and student loan details

National Insurance
Main NI: £3,016.00
Upper NI: £934.60
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: 34.42%
Marginal rate: 47.0%
Estimates only - not financial advice.