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
£7,333.99
Annual: £88,007.90
Take-home
£88,007.90
£7,333.99 / month
Take-home£88,007.90
Income Tax£52,081.50
NI£4,910.60
Student Loan£0.00
Pension£0.00
Weekly
£1,692.46
Daily
£338.49
Share this result

Full breakdown

Item Annual Monthly
Gross salary£145,000.00£12,083.33
Income Tax£52,081.50£4,340.12
National Insurance£4,910.60£409.22
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£88,007.90£7,333.99

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% £32,430.00 £14,593.50

NI and student loan details

National Insurance
Main NI: £3,016.00
Upper NI: £1,894.60
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: 39.3%
Marginal rate: 47.0%
Estimates only - not financial advice.