Take-Home Pay Calculator
See your net monthly, weekly and yearly pay after income tax, National Insurance, pension and student loan.
Your result
Updates as you type. Based on 2025/26 UK figures where relevant.
How this is worked out
We deduct your pension contribution first (net pay arrangement), then income tax on what is left. Employee National Insurance and student loan repayments are worked out on your full salary. What remains is your take-home pay.
Tips
- Check your tax code on every payslip. 1257L is the standard code for 2025/26; anything else deserves a quick look in your HMRC app.
- Pension contributions and salary sacrifice reduce your taxable pay, which matters most if you're near a band threshold.
- If your income is between £100,000 and £125,140, you lose personal allowance and face an effective 60% marginal rate. Pension contributions can bring it back.
Guides for this calculator
- How to Calculate Take-Home Pay in the UK: Step-by-Step Guide
- Take-Home Pay: Common Mistakes, Tips and FAQs
More tax and pay calculators
- Income Tax Calculator
- National Insurance Calculator
- Scottish Income Tax Calculator
- Student Loan Repayment Calculator
- Pension Tax Relief Calculator
- Dividend Tax Calculator
- Capital Gains Tax Calculator
- Salary Sacrifice Calculator
- Hourly to Annual Salary Calculator
- Pro Rata Salary Calculator
- Overtime Pay Calculator
- Pay Rise Calculator
- VAT Calculator
- Self-Employed Tax Calculator
Frequently asked questions
How does the take-Home Pay Calculator work?
We deduct your pension contribution first (net pay arrangement), then income tax on what is left. Employee National Insurance and student loan repayments are worked out on your full salary. What remains is your take-home pay.
When does the UK tax year start?
The UK tax year runs from 6 April to 5 April the following year. Most allowances and bands reset on 6 April.
Where can I check the official rates?
GOV.UK publishes all current income tax, National Insurance and student loan rates. Our figures are based on the tax year shown on each calculator.
Is this calculator a substitute for advice?
No. It gives a clear estimate for common situations. For complex cases such as multiple incomes, benefits in kind or residency questions, speak to an accountant or HMRC.
This calculator gives an estimate for general information. It isn't financial, tax, legal or medical advice. Check official figures on GOV.UK or NHS.uk, or speak to a qualified adviser.