UK take-home pay calculator
Income tax, National Insurance and student loan repayments taken out of a UK salary, for England, Wales, Northern Ireland or Scotland, with pay per month and week.
An estimate for 2026-27 with a standard tax code and National Insurance category A. It leaves out pension contributions, benefits in kind, other income, the Marriage Allowance and student loan interest. National Insurance uses annual thresholds, while your employer applies weekly or monthly ones. Check GOV.UK for current figures.
How this calculator works
The Personal Allowance of £12,570 is tax-free, and it shrinks by £1 for every £2 of income over £100,000. Taxable income is then taxed at 20% up to £37,700, 40% up to £125,140 and 45% above (England, Wales and Northern Ireland), or at Scotland's six rates from 19% to 48%. National Insurance is 8% on earnings between £12,570 and £50,270 and 2% above. Student loans take 9% of income over the plan threshold, and 6% over £21,000 for a postgraduate loan.
Worked example: on £45,000 in England, taxable income is £32,430, so income tax is £6,486. National Insurance is 8% × (£45,000 − £12,570) = £2,594.40. Take-home pay is £35,919.60 a year, or about £2,993 a month. In Scotland the same salary pays £6,882.05 of income tax, and takes home about £2,960 a month.
Sources and checks
Our figures and rules follow these official sources:
- GOV.UK: Income Tax rates and Personal Allowances
- GOV.UK: Income Tax in Scotland
- GOV.UK: National Insurance rates and categories
- GOV.UK: Repaying your student loan, how much you repay
Standard tax code and National Insurance category A. Pensions and benefits are not included.
Figures last checked: 30 October 2026. Spotted a mistake? Tell us.