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
£3,293.30
Annual: £39,519.60
Take-home
£39,519.60
£3,293.30 / month
Take-home£39,519.60
Income Tax£7,486.00
NI£2,994.40
Student Loan£0.00
Pension£0.00
Weekly
£759.99
Daily
£152.00
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Full breakdown

Item Annual Monthly
Gross salary£50,000.00£4,166.67
Income Tax£7,486.00£623.83
National Insurance£2,994.40£249.53
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£39,519.60£3,293.30

Tax bands

BandRateTaxable amountTax paid
Basic rate 20% £37,430.00 £7,486.00
Higher rate 40% £0.00 £0.00
Additional rate 45% £0.00 £0.00

NI and student loan details

National Insurance
Main NI: £2,994.40
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: 20.96%
Marginal rate: 28.0%
Estimates only - not financial advice.