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
£8,349.82
Annual: £100,197.90
Take-home
£100,197.90
£8,349.82 / month
Take-home£100,197.90
Income Tax£62,431.50
NI£5,370.60
Student Loan£0.00
Pension£0.00
Weekly
£1,926.88
Daily
£385.38
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Full breakdown

Item Annual Monthly
Gross salary£168,000.00£14,000.00
Income Tax£62,431.50£5,202.62
National Insurance£5,370.60£447.55
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£100,197.90£8,349.82

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% £55,430.00 £24,943.50

NI and student loan details

National Insurance
Main NI: £3,016.00
Upper NI: £2,354.60
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: 40.36%
Marginal rate: 47.0%
Estimates only - not financial advice.