UK Take-Home Pay Calculator
See your salary after Income Tax, National Insurance and student loan repayments, by year, month or week. Results are for England, Wales and Northern Ireland; Scotland is switched off until its bands are confirmed.
Calculated in your browser. Nothing you type is sent anywhere.
Before tax and National Insurance.
Scottish results are switched off until the 2026-27 bands are confirmed.
Your plan depends on when and where you started your course.
Enter your salary to see your take-home pay.
Figures follow the 2026-27 tax year rates published on GOV.UK.
Indicative estimate, not financial or tax advice.
How the calculation works
Income Tax comes first. Every employee gets a tax-free Personal Allowance. Pay above it is taxed in slices: a basic rate on the first slice, a higher rate on the next and an additional rate above that. Once your income passes the allowance reduction threshold, the allowance falls by £1 for every £2 earned, and it reaches zero at the point where the additional rate begins. That is why the tax on each extra pound is 60% in that range.
National Insurance is calculated on your pay for each pay period, with a main rate between the primary threshold and the upper earnings limit and a lower rate above it. We use the monthly thresholds, as payroll does for a monthly-paid employee, and the category A letter, which suits most employees.
Student loan repayments are a percentage of your pay above your plan’s threshold, taken monthly and rounded down to whole pounds, as GOV.UK explains. Choose your undergraduate plan and add a postgraduate loan if you have one. Net pay is your gross salary minus the three deductions.
Worked example
A salary of £45,000 in England. The Personal Allowance of £12,570 leaves £32,430 taxable.
- Income Tax
- £6,486.00
- National Insurance
- £2,593.92
- Take-home pay, no student loan (a year)
- £35,920.08
- Student loan repayment, Plan 2 (a year)
- £1,404.00
- Take-home pay with Plan 2 (a year)
- £34,516.08
- Take-home pay with Plan 2 (a month)
- £2,876.34
Pension contributions are not included. Paying into a workplace pension usually lowers your Income Tax and your take-home pay together.
Short glossary
- Personal Allowance
- The amount of income you can earn each year before paying Income Tax.
- National Insurance
- A payroll contribution that builds entitlement to benefits such as the State Pension.
- Primary threshold
- The pay level above which employee National Insurance starts.
- Student loan plan
- The repayment scheme your loan belongs to. Each plan has its own earnings threshold.
- Marginal rate
- The tax taken from your next pound of income, which can be higher than your average rate.
What this calculator does not do
- Scottish Income Tax is not calculated: the 2026-27 bands are shown as proposed on gov.scot.
- National Insurance category A only. Self-employed contributions, savings and dividend income and capital gains are not modeled.
- Pensions, salary sacrifice, tax codes, Marriage Allowance and the High Income Child Benefit Charge are not included.
- One undergraduate plan plus an optional postgraduate loan. A combined repayment cap between plans is not modeled.