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
£2,993.30
Annual: £35,919.60
Take-home
£35,919.60
£2,993.30 / month
Take-home£35,919.60
Income Tax£6,486.00
NI£2,594.40
Student Loan£0.00
Pension£0.00
Weekly
£690.76
Daily
£138.15
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Full breakdown

Item Annual Monthly
Gross salary£45,000.00£3,750.00
Income Tax£6,486.00£540.50
National Insurance£2,594.40£216.20
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£35,919.60£2,993.30

Tax bands

BandRateTaxable amountTax paid
Basic rate 20% £32,430.00 £6,486.00
Higher rate 40% £0.00 £0.00
Additional rate 45% £0.00 £0.00

NI and student loan details

National Insurance
Main NI: £2,594.40
Upper NI: £0.00
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: 20.18%
Marginal rate: 28.0%
Estimates only - not financial advice.