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
£3,828.12
Annual: £45,937.40
Take-home
£45,937.40
£3,828.12 / month
Take-home£45,937.40
Income Tax£11,832.00
NI£3,230.60
Student Loan£0.00
Pension£0.00
Weekly
£883.41
Daily
£176.68
Share this result

Full breakdown

Item Annual Monthly
Gross salary£61,000.00£5,083.33
Income Tax£11,832.00£986.00
National Insurance£3,230.60£269.22
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£45,937.40£3,828.12

Tax bands

BandRateTaxable amountTax paid
Basic rate 20% £37,700.00 £7,540.00
Higher rate 40% £10,730.00 £4,292.00
Additional rate 45% £0.00 £0.00

NI and student loan details

National Insurance
Main NI: £3,016.00
Upper NI: £214.60
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: 24.69%
Marginal rate: 42.0%
Estimates only - not financial advice.