Take-Home Pay Calculator 2025/26

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Assumptions: rUK PAYE, 1257L, paid in 12 equal months, NI Cat A (employee Class 1), under State Pension age, not a director, no pension contributions.
Income Tax
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NI (employee)
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Take-home (annual)
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Take-home (monthly)
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Item Amount
Estimates using rUK PAYE, employee Class 1 NI (monthly), 1257L, no pension.

About This Take-Home Pay Calculator

This UK take-home pay calculator shows how much of your gross salary you keep after deductions for income tax and National Insurance contributions. Updated for the 2025/26 tax year, it’s designed for employees, freelancers, and contractors who want an accurate breakdown of their net pay.

Updated for 2025/26

How Take-Home Pay Is Calculated

  • Income Tax – based on the current UK tax bands and personal allowance.
  • National Insurance – calculated according to your earnings and NI category.
Example: someone earning £40,000 a year with a standard tax code and no student loan will take home around £2,630 per month in the 2025/26 tax year. (Estimates; actual payroll may vary.)

Common Questions

How do I calculate my take-home pay in the UK?

Enter your gross annual salary into the calculator, choose the relevant options, and it applies current HMRC income tax and NI rules to estimate your net pay.

Yes—pension contributions reduce your taxable pay, which can lower income tax and NI. Your net pay may still fall by the amount you contribute, but the tax relief means it usually costs you less than the full contribution.

This tool provides estimates only and assumes standard PAYE with equal monthly pay. Actual payslips can differ based on benefits, bonuses, student loans, and employer payroll settings.

Salary after tax examples (2025/26)

Quick reference of UK salary after tax for popular figures. Numbers use the same rules as this calculator (Tax year 2025/2026).

Salary (gross) Take-home after tax (annual) Copy