UK Take-Home Pay Calculator 2026/27
See exactly how much of your salary you keep after income tax, National Insurance, student loan repayments and pension contributions.
Last updated: June 2026
Your Salary
45.00 Thousand
Your Take-Home Pay
Annual Take-Home
£34,300
Monthly
£2,858
Effective Tax Rate
23.8%
Marginal Rate
20%
Personal Allowance
£12,570
Salary Comparison
| Gross Salary | Take-Home | Effective Rate |
|---|---|---|
| £30,000 | £24,040 | 19.9% |
| £45,000 | £34,300 | 23.8% |
| £60,000 | £43,617 | 27.3% |
| £80,000 | £54,637 | 31.7% |
Data sources
Rates and thresholds on this page are based on official publications. Verify against the source for your specific circumstances.
- HMRC / GOV.UK — verified 2026-06-01 · Income tax bands and personal allowance for 2026/27
- HMRC / GOV.UK — verified 2026-06-01 · Class 1 National Insurance thresholds for 2026/27
- GOV.UK — Repaying your student loan — verified 2026-06-01 · Plan thresholds and repayment rates
How to Use This Calculator
Enter your annual gross salary before any deductions. Select your tax region — England, Wales and Northern Ireland share the same income tax bands, while Scotland has its own rates set by the Scottish Government. Choose your student loan plan if applicable, and adjust your pension contribution percentage to see how salary sacrifice affects your net pay.
For example, on a £45,000 salary in England with no student loan and 5% pension contribution, you would pay approximately £6,486 in income tax, £2,594 in National Insurance, and £2,250 into your pension — leaving roughly £33,670 take-home per year, or about £2,806 per month.
Methodology
This calculator uses official HMRC income tax bands and National Insurance thresholds for the 2026/27 tax year (6 April 2026 to 5 April 2027). Income tax is calculated on a progressive basis — you only pay higher rates on income above each threshold. The personal allowance of £12,570 is reduced by £1 for every £2 earned above £100,000. National Insurance is calculated at 8% on earnings between £12,570 and £50,270, and 2% above that. Student loan repayments are 9% of income above the plan threshold (6% for postgraduate loans).
This calculator provides estimates only and does not constitute financial or tax advice. Tax rules vary by individual circumstances. Consult a qualified tax adviser or accountant for personal advice.