Take Home Pay Calculator UK

Take-home pay is your salary after all deductions — Income Tax, employee National Insurance, pension contributions and student loan repayments. It is also called net pay or net salary, in contrast to your gross salary before deductions.

Start with gross salary, subtract Income Tax (nothing on the first £12,570, then 20%, 40% and 45% bands for 2026/27), employee NI (8% between £12,570 and £50,270, 2% above), plus any pension and student loan deductions. The calculator above does this instantly.

It depends on your salary level. At £25,000 you keep roughly 86%; at £50,000 about 79%; at £100,000 about 69% (before pension or student loan). Higher earners keep a smaller share because more income falls into the 40% and 45% bands.

Yes. Take-home pay, net pay and net salary all mean the amount you receive after deductions. Gross pay is the figure before deductions — usually the salary quoted in your contract.

For 2026/27 in England, Wales and NI with a standard tax code and no pension or student loan, £30,000 gives an estimated take-home of about £25,120 a year, or roughly £2,093 a month.

For 2026/27 with a standard tax code and no pension or student loan, £50,000 gives an estimated take-home of about £39,520 a year, or roughly £3,293 a month.

Pension contributions are deducted before you receive your pay, so they reduce take-home. In this calculator, choose a pension percentage to see the effect — salary sacrifice arrangements also reduce your National Insurance.

Scotland sets its own Income Tax bands — six rates from 19% to 48% for 2026/27 — so Scottish taxpayers keep slightly more at low incomes and less at higher incomes than the rest of the UK. National Insurance is the same UK-wide. Select Scotland in the calculator to compare.