Finance & Money
On a £30,000 salary you’d take home about £25,120 a year (£2,093 a month) after Income Tax and NI, and on £45,000 it’s about £35,920. Enter your salary below.
Knowing your take-home pay helps when you’re budgeting, negotiating a salary or comparing job offers. Enter your gross salary and this free calculator estimates your Income Tax and employee National Insurance, then shows your net pay per year, month and week.
You can use the standard England, Wales and Northern Ireland bands, or switch to Scotland’s own Income Tax rates. The Personal Allowance taper above £100,000 is included, and you can add a simple pension contribution as a percentage of gross (a relief-at-source style estimate). Student loan repayments aren’t taken off here, so estimate them separately and subtract them from your net pay.
Try the worked examples below (£30,000 ≈ £25,120 a year, or £45,000 ≈ £35,920), then enter your own salary. The figures use commonly published 2026/27-style bands and are guidance only, so your payslip or HMRC has the final say. For employee, employer and self-employed National Insurance, the dedicated NI calculator goes further.
For the full explanation, read How UK take-home pay is calculated (2026/27), How stamp duty works when you buy a home in the UK, How UK mortgage payments are calculated, How UK student loan repayments work (2026/27), How UK National Insurance is calculated (2026/27), How UK car tax (VED) works in 2026/27, How UK pension salary sacrifice compares to relief at source, How UK statutory redundancy pay is calculated (2026), How UK Inheritance Tax is calculated (2026/27), How UK Council Tax bands and bills are calculated, How UK credit card interest and payoff time are calculated or How UK Capital Gains Tax is calculated (2026/27).
Illustrative UK bands · Personal Allowance £12,570 with £100k taper
Optional simple deduction before tax
Estimate only. Scottish bands are simplified. For pension salary sacrifice (tax and NI on reduced pay), use the salary sacrifice calculator. For a full employee / employer / self-employed NI breakdown, use the National Insurance calculator. Student loan deductions are not included here — use the student loan calculator. Benefits-in-kind and complex tax codes are not modelled.
Examples you can read without entering anything. Use your own figures for a personal estimate.
Common starter / early-career take-home query.
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Illustrative take-home using this tool’s simplified rUK bands.
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Common mid-salary scenario for mortgage affordability planning.
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Compare monthly net with mortgage + Council Tax when budgeting a home purchase.
Just under the usual higher-rate threshold on this model.
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Higher-rate territory begins above the basic-rate limit.
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Personal Allowance is still the full £12,570 at exactly £100,000; taper starts above that.
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Above £100,000 the Personal Allowance is reduced by £1 for every £2 of extra income.
Most employees see Income Tax and National Insurance deducted through PAYE. Income Tax applies to taxable income after allowances (and some reliefs). The standard Personal Allowance is often £12,570, but it’s tapered once income exceeds £100,000, which can create a high effective marginal rate in that zone.
Employee Class 1 National Insurance is calculated on earnings above a primary threshold, with a lower rate above the upper earnings limit. Employer NI is a cost to the employer and isn’t taken from your net pay — compare both with the National Insurance calculator.
Scotland sets its own Income Tax rates and bands while National Insurance remains UK-wide. Student loans are separate deductions based on plan type and threshold — estimate them with our student loan tool, then subtract from this page’s net figure for a fuller picture.
Lenders look at income and outgoings; you should too. Convert annual take-home to a monthly figure, then subtract a trial mortgage payment (mortgage calculator), Council Tax estimate, and other fixed costs. Stamp duty is usually paid from savings at purchase, not from monthly net pay — plan for it separately with the stamp duty calculator.
For England, Wales and Northern Ireland this tool uses a standard Personal Allowance of £12,570, then 20% on the next £37,700 of taxable income, 40% up to the additional-rate threshold, and 45% above that. Those slices match the commonly published 2026/27 rUK structure (basic rate to £50,270 of total income if you have a full Personal Allowance).
Example for £45,000 with no pension: taxable income is £45,000 − £12,570 = £32,430. All of that sits in the 20% band → Income Tax £6,486. Employee NI is 8% on earnings between £12,570 and £50,270 → £2,594.40. Take-home is £45,000 − £6,486 − £2,594.40 = £35,919.60 a year (about £2,993 a month).
Scotland uses its own starter, basic, intermediate, higher and top rates on non-savings, non-dividend income. National Insurance remains UK-wide. Switch the region control to compare the same salary under this tool’s simplified Scottish bands.
Above £100,000 of adjusted net income, the Personal Allowance is reduced by £1 for every £2 until it reaches zero (around £125,140). That withdrawal creates a high effective marginal rate on that slice of income — you lose allowance and still pay higher-rate tax on the extra pay.
At exactly £100,000 this tool still gives the full £12,570 allowance and about £68,557 take-home (no pension, rUK). Type a figure above £100,000 to see the allowance shrink. Pension contributions can reduce adjusted income and, in real PAYE, sometimes protect allowance — this page’s pension field is a simple taxable-pay reduction, not a full adjusted-net-income engine. Use the salary sacrifice calculator to compare sacrifice versus a non-sacrifice pension.
Check rates, bands and eligibility on these official pages before you rely on a figure.