See how much you could take home after tax, National Insurance and pension contributions. Compare different salaries and make better job offers.
Usually A. Your payslip shows the category used by payroll.
Supports S/C prefixes, L/M/N/T codes, K codes, NT, BR, 0T and D codes. Emergency codes use an annual estimate.
Enter a target to estimate the salary needed.
An annual estimate for one employed job over 12 monthly paydays. Choose one-off bonus to apply NI and student-loan thresholds in a single pay period.
Figures are estimates for the 2026/27 tax year, based on current UK rates.
Based on £45,000 gross annual pay in England, Wales or Northern Ireland.
Hourly take-home: £18.42.
Estimated using regular monthly payroll. Income Tax is annualised; actual PAYE may differ.
£46,530 a year. That’s +£92 a month after tax.
The UK median salary rise of ~3.4% on £45,000 a year, after your current deductions.
| Pay and deductions | Annual | Monthly | Weekly |
|---|---|---|---|
| Gross pay, including bonus | £45,000.00 | £3,750.00 | £865.38 |
| Income Tax | £6,486.00 | £540.50 | £124.73 |
| National Insurance | £2,593.92 | £216.16 | £49.88 |
| Pension from pay | £0.00 | £0.00 | £0.00 |
| Student loans | £0.00 | £0.00 | £0.00 |
| Take-home pay | £35,920.08 | £2,993.34 | £690.77 |
Annualised figures from 12 equal monthly paydays. Weekly figures divide the annual estimate by 52. NI uses £1,048 per month (equivalent to £12,576 over 12 paydays), which can produce small differences from calculators using the £12,570 annual threshold.
Relief at source includes the provider’s basic-rate top-up, extended tax bands and any restored Personal Allowance. Take-home assumes HMRC adjusts your tax code for additional relief; otherwise you may need to claim it separately. Pension inputs are gross contributions, limited to your gross pay in this calculator; individual annual allowances and scheme limits can differ.
The calculator applies the current 2026/27 employment-income rules shown below. Income Tax is progressive, so each rate applies only to the part of your taxable pay within that band. Your tax code, pension method, bonus timing and other income can change the final result.
These bands show gross employment income for someone receiving the standard £12,570 Personal Allowance.
| Band | Gross income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571–£50,270 | 20% |
| Higher rate | £50,271–£125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
The Personal Allowance reduces by £1 for every £2 of adjusted net income above £100,000 and is zero from £125,140.
Scottish rates apply to employment, pension and most other non-savings income for Scottish taxpayers.
| Band | Gross income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Starter rate | £12,571–£16,537 | 19% |
| Basic rate | £16,538–£29,526 | 20% |
| Intermediate rate | £29,527–£43,662 | 21% |
| Higher rate | £43,663–£75,000 | 42% |
| Advanced rate | £75,001–£125,140 | 45% |
| Top rate | Over £125,140 | 48% |
Most employees in category A pay Class 1 National Insurance on each pay period rather than on annual income.
| Monthly pay | Rate |
|---|---|
| Up to £1,048 a month | 0% |
| £1,048–£4,189 a month | 8% |
| Over £4,189 a month | 2% |
The equivalent weekly thresholds are £242 and £967. Other NI categories can use different rates.
Repayments apply only to pay above the relevant threshold in a weekly or monthly pay period.
| Plan | Annual threshold | Monthly threshold | Rate above threshold |
|---|---|---|---|
| Plan 1 | £26,900 | £2,241 | 9% |
| Plan 2 | £29,385 | £2,448 | 9% |
| Plan 4 | £33,795 | £2,816 | 9% |
| Plan 5 | £25,000 | £2,083 | 9% |
| Postgraduate Loan | £21,000 | £1,750 | 6% |
Tax, pensions and student loans.
Yes. Scottish residents pay different Income Tax rates on employment income. National Insurance remains under UK rules. Select Scotland above to see the estimated difference.
Repayments start only when pay exceeds the threshold for your plan in that pay period. Most undergraduate plans charge 9% over the threshold; postgraduate loans charge 6%. You can select both when relevant.
No. Under salary sacrifice, your contractual pay is reduced, so Income Tax, National Insurance and usually student loan calculations can change. A net pay pension contribution usually reduces taxable pay but not National Insurance. Relief at source contributions come from pay after tax, with basic rate relief added into the pension.
Yes. Enter your hourly rate and switch the pay period to hourly, then set hours per week if you do not work a 37.5-hour week.
