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This UK take home pay calculator estimates what is left of your salary after Income Tax and employee National Insurance for the 2026/27 tax year, with optional pension, student loan and postgraduate loan deductions.
It is an annualised estimate for employees rather than an exact payslip. If you need pay-period and tax-code detail, or employer costs, use the Payroll Calculator instead.
Last reviewed · Tax year 2026/27· Rate set: income-tax-2026-27
Estimated take-home pay — monthly
£2,993.30
Total deductions — monthly
£756.70
On £45,000 a year in England, your estimated take-home is £2,993.30 per month before any deductions not entered here.
An annualised estimate using the standard Personal Allowance. Your payslip can differ because of your tax code, the pay period you are paid over and deductions not entered here.
The headline figure is your estimated take-home pay in the display frequency you choose. Underneath, the same annual calculation is shown as annual, monthly, 4-weekly and weekly amounts so you can compare against how you are actually paid.
The deduction breakdown lists every amount taken from your pay, in the order it is applied, ending with your net take-home. The effective deduction rate is total deductions divided by gross employment income, so it is always lower than your top tax band.
Take-home pay starts with gross employment income: your salary plus any bonus. A salary sacrifice pension is taken off first, because it reduces the pay on which both Income Tax and National Insurance are charged. A net pay arrangement reduces income for tax but not for National Insurance. Relief at source contributions come out after tax and National Insurance.
Income Tax is then worked out on taxable pay using the Personal Allowance and the bands for your region, and employee Class 1 National Insurance is worked out on your cash pay. Student loan and postgraduate loan repayments are charged on income above their thresholds, and any other after-tax deductions are removed last.
An employee on £30,000 with the standard Personal Allowance.
Estimated take-home is £25,119.60 a year, about £2,093.30 a month.
An employee contributing 5% of pay through salary sacrifice.
Estimated take-home is £34,299.60 a year, about £2,858.30 a month, with £2,250 going into the pension.
A Scottish taxpayer on £60,000 with no pension or loan deductions.
Estimated take-home is £43,607.35 a year, about £3,633.95 a month.
A higher earner whose Personal Allowance is being withdrawn.
Estimated take-home is £72,357.40 a year, about £6,029.78 a month.
The result depends on the following. If any of them do not match your situation, treat the figure as indicative only.
Income Tax uses the versioned income-tax-2026-27 rate set and the same engine as the Income Tax Calculator. National Insurance and the student loan thresholds come from the payroll-2026-27 rate set used by the Payroll and National Insurance calculators, so no second copy of any rate exists in this project.
The calculation is pure TypeScript running in your browser, with full precision held internally and rounding applied only when a figure is displayed. Unit tests cover the Personal Allowance boundary, the National Insurance thresholds, each student loan plan, the postgraduate loan, all three pension methods and the £100,000 to £125,140 taper.
Enter your gross annual salary, choose where you pay Income Tax and pick the frequency you want the answer in. That is enough for a full estimate: the result updates as you type and the headline figure is your estimated take-home pay.
If you pay into a pension, repay a student or postgraduate loan, receive a bonus or have other deductions taken from your pay, open Advanced options and add them. Choosing the right pension treatment matters, because salary sacrifice, a net pay arrangement and relief at source produce different take-home figures on the same contribution.
Most employees receive a £12,570 Personal Allowance. In England, Wales and Northern Ireland, taxable income is charged at 20% up to £37,700, 40% up to £125,140 and 45% above that. Scotland has six bands from 19% to 48%.
Above £100,000 the allowance falls by £1 for every £2 of income, so extra pay in that band costs far more than the headline rate suggests.
Employees pay Class 1 National Insurance at 8% on earnings between the Primary Threshold of £12,570 and the Upper Earnings Limit of £50,270, then 2% on everything above. National Insurance is charged on each pay period rather than annually, which is one reason a real payslip can differ slightly from an annualised estimate.
Salary sacrifice exchanges pay for an employer contribution, so it reduces Income Tax and National Insurance. A net pay arrangement takes the contribution from pay before Income Tax but after National Insurance is worked out. Relief at source takes the contribution from pay after tax, and your pension provider reclaims basic-rate relief on top — that relief lands in the pension, not in your payslip.
Undergraduate plans repay 9% of income above the plan threshold: £26,900 for Plan 1, £29,385 for Plan 2, £33,795 for Plan 4 and £25,000 for Plan 5. A postgraduate loan repays 6% above £21,000 and can run alongside an undergraduate plan, so both deductions can appear on the same payslip.
Gross pay is what you are paid before deductions. Net pay, or take-home pay, is what reaches your bank account. The gap is Income Tax, National Insurance and whatever else your employer deducts.
Real payslips differ because PAYE works on your tax code and the pay period, not a clean annual figure. Bonuses, overtime, starting part-way through a year, changes of job, benefits in kind and student loan timing can all move the monthly number without changing the annual total by much.
In England, Wales or Northern Ireland with no pension or student loan, £30,000 gives an estimated take-home of about £25,119.60 a year, or roughly £2,093 a month, after £3,486 of Income Tax and £1,394.40 of National Insurance.
On £40,000 the estimate is around £32,319.60 a year, and on £50,000 around £39,519.60, again with no pension or loan deductions. Enter your own figure to see the exact breakdown for your region.
Yes. Employee Class 1 National Insurance is deducted at 8% between £12,570 and £50,270 and 2% above, using the same rate data as the National Insurance Calculator.
Only if you add one in the advanced options. You can choose salary sacrifice, a net pay arrangement or relief at source, because each affects your tax and National Insurance differently.
Yes, if you select a plan. Plans 1, 2, 4 and 5 repay 9% above their thresholds, and a postgraduate loan repays 6% above £21,000. Both can apply at once.
Yes. Scotland sets its own bands on earnings, from 19% to 48%. Choose Scotland and the Income Tax figure switches automatically. National Insurance is the same across the UK.
PAYE uses your tax code and the pay period rather than a tidy annual figure, so bonuses, a mid-year start, benefits in kind or a non-standard code can all change the monthly amount. For pay-period detail, use the Payroll Calculator.
No. This is the employee view. Employer National Insurance and employer pension contributions are shown in the Payroll Calculator, which reports total employment cost.
Please note: Results are estimates for general information only and are not financial, tax or legal advice. Figures depend on the assumptions listed on each page and on your personal circumstances.
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