UK tax & take-home pay calculators
Free, instant calculators using published HMRC rates. Enter a figure, get a statutory answer: income tax, National Insurance, student loans and pension, with a full band-by-band breakdown. No sign-up, no data sent anywhere.
Your take-home
Your details
Income tax breakdown
| Band | Taxable | Rate | Tax |
|---|---|---|---|
| Personal allowance | £12,570 | 0.0% | £0 |
| Basic rate | £32,430 | 20.0% | £6,486 |
| Total | £6,486 |
Net pay breakdown
| Item | Annual | Monthly | Weekly | Daily |
|---|---|---|---|---|
| Gross pay (incl. bonus) | £45,000 | £3,750 | £863 | £173 |
| Income tax | −£6,486 | −£541 | −£124 | −£25 |
| National Insurance | −£2,594 | −£216 | −£50 | −£10 |
| Take-home pay | £35,920 | £2,993 | £689 | £138 |
Monthly is annual ÷ 12; weekly is annual ÷ 52.14; daily assumes a 5-day week (annual ÷ 260). Your employer also pays a pension contribution of £0 (plus tax relief of £0) into your pension on top of your take-home pay.
Assumptions
- Full personal allowance; no marriage allowance or other reliefs claimed.
- Paid evenly every month; National Insurance and student loans are calculated per pay period.
- A bonus in month 12 is taxed at your marginal rate in that month's PAYE.
- Salary sacrifice reduces your taxable salary and National Insurance before tax is applied.
- Weekly figures are annual ÷ 52.14; daily figures assume a 5-day week (annual ÷ 260).
Calculations use 2026-27 HMRC rates. Income tax uses cumulative PAYE across the year; National Insurance and student loans are calculated per pay period. If your salary is paid unevenly or you receive multiple pensions, your actual take-home may differ.
All calculators
Income tax calculator
Personal allowance taper, band-by-band tax and effective rate.
National Insurance calculator
Class 1 employee NI by earnings band.
Student loan repayment calculator
Plans 1, 2, 4 and 5, plus the postgraduate loan.
Take-home pay calculator
Gross to net with pension, bonus and student loans.
Salary comparison
Compare two job offers side by side on net pay.
Bonus calculator
How much of a bonus actually reaches your pocket.
Salary sacrifice calculator
What pension salary sacrifice saves on tax and NI.
Pension calculator
Your cost vs what lands in the pot with tax relief.
Salary take-home tables
Every salary from £30k to £200k, pre-calculated.