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
£7,024.82
Annual: £84,297.90
Take-home
£84,297.90
£7,024.82 / month
Take-home£84,297.90
Income Tax£48,931.50
NI£4,770.60
Student Loan£0.00
Pension£0.00
Weekly
£1,621.11
Daily
£324.22
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Full breakdown

Item Annual Monthly
Gross salary£138,000.00£11,500.00
Income Tax£48,931.50£4,077.62
National Insurance£4,770.60£397.55
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£84,297.90£7,024.82

Tax bands

BandRateTaxable amountTax paid
Basic rate 20% £37,700.00 £7,540.00
Higher rate 40% £74,870.00 £29,948.00
Additional rate 45% £25,430.00 £11,443.50

NI and student loan details

National Insurance
Main NI: £3,016.00
Upper NI: £1,754.60
Student Loan
Plan: none
Repayment: £0.00

Assumptions

Tax year: 2025/26
Region: wales
Tax code: 1257L
NI category: A
Student loan: none
Pension: 0%
Salary sacrifice: No
Effective tax rate: 38.91%
Marginal rate: 47.0%
Estimates only - not financial advice.