Free UK salary calculator
Calculate your annual, monthly, weekly and daily take-home pay after Income Tax, National Insurance, pension contributions and student-loan repayments. Scottish rates included.
For 2026/27, take-home pay is your gross salary less Income Tax, National Insurance and any pension or student-loan deductions. On a £30,000 salary, the standard estimate for England, Wales or Northern Ireland is £25,120 a year or £2,093 a month, before pension or student-loan deductions. The personal allowance is £12,570; Income Tax outside Scotland is then 20% to £50,270, 40% to £125,140 and 45% above. Employee National Insurance is 8% between £12,570 and £50,270 and 2% above that. Scotland has six bands instead of three, and the allowance tapers away between £100,000 and £125,140.
Reviewed by Kamran Ishaq FCCA, Founder & CEO · Last updated
Estimated take-home pay
£35,920
per year, after all deductions
Total deduction rate
20.2%
deductions ÷ gross pay
On a gross salary of £45,000 in England, Wales or Northern Ireland, you keep an estimated £2,993 per month.
| Item | Yearly | Monthly | Weekly | Daily |
|---|---|---|---|---|
| Gross pay | £45,000.00 | £3,750.00 | £865.38 | £173.08 |
| Income Tax | £6,486.00 | £540.50 | £124.73 | £24.95 |
| National Insurance | £2,593.92 | £216.16 | £49.88 | £9.98 |
| Take-home | £35,920.08 | £2,993.34 | £690.77 | £138.15 |
Annual deductions
Worked examples
Compare gross salary with annual and monthly net pay for 2026/27. These examples use England, Wales and Northern Ireland rates, the standard 1257L tax code, no pension and no student loan.
£30,000 salary example
On a gross salary of £30,000, your estimated take-home pay is £25,120 a year, or about £2,093 a month and £483 a week. This is after estimated Income Tax of £3,486 and employee National Insurance of £1,394.
Assumptions: 2026/27 rates, standard 1257L tax code, England, Wales or Northern Ireland, and no pension, student loan, bonus or taxable benefits. Scottish Income Tax and personal deductions can change the result.
| Gross salary | Income Tax | NI | Take-home / yr | Per month |
|---|---|---|---|---|
| £20,000 | £1,486 | £594 | £17,920 | £1,493 |
| £25,000 | £2,486 | £994 | £21,520 | £1,793 |
| £30,000 | £3,486 | £1,394 | £25,120 | £2,093 |
| £40,000 | £5,486 | £2,194 | £32,320 | £2,693 |
| £45,000Calculator default | £6,486 | £2,594 | £35,920 | £2,993 |
| £50,000 | £7,486 | £2,994 | £39,520 | £3,293 |
| £75,000 | £17,432 | £3,510 | £54,058 | £4,505 |
| £100,000 | £27,432 | £4,010 | £68,558 | £5,713 |
Estimates for guidance only. Your actual take-home pay depends on your tax code, pension, student loan, region and any taxable benefits — use the calculator above for a figure tailored to you.
How it works
Your estimated take-home pay is your gross salary after the deductions that apply to you. The calculator updates each part instantly.
You pay no Income Tax on the first £12,570 of earnings (the Personal Allowance). In England, Wales and Northern Ireland the remainder is taxed at 20% up to £50,270, 40% up to £125,140 and 45% above that. Scotland uses six bands from 19% to 48%. If you earn over £100,000, your allowance tapers away — the calculator handles this for you so the figure matches what HMRC would charge.
Employees pay Class 1 National Insurance at 8% on earnings between £12,570 and £50,270, then 2% on anything above that. NI rates are the same across the whole UK, including Scotland, and are calculated on your salary after any salary-sacrifice pension.
A salary-sacrifice pension contribution is removed from your gross pay before tax and NI, which lowers both. Student-loan repayments (Plan 1, 2, 4, 5 or Postgraduate) are then taken at 9% — or 6% for postgraduate loans — on earnings above your plan threshold. Both are optional inputs in the calculator.
Net income from gross is simply your salary after all applicable deductions. The calculator shows your take-home pay per year, month, week and working day, plus your total deduction rate — the share of total earnings lost to deductions — so you can compare offers, plan a budget or check a payslip in seconds. On a £50,000 salary, for example, that effective rate is about 21%.
Questions
The key assumptions behind your UK salary and take-home pay estimate.
On a £30,000 annual salary in 2026/27, estimated take-home pay is £25,120 a year, £2,093 a month or £483 a week. That assumes the standard 1257L tax code in England, Wales or Northern Ireland, with no pension or student-loan deductions. Estimated Income Tax is £3,486 and employee National Insurance is £1,394 for the year.
Gross pay is your salary before any deductions. Net pay — also called take-home pay — is what actually reaches your bank account after Income Tax, National Insurance, pension contributions and any student-loan repayments are removed. This tool converts gross to net (and shows the breakdown) for the chosen tax year.
For 2026/27 the standard Personal Allowance is £12,570, then 20% on income up to £50,270, 40% up to £125,140 and 45% above that in England, Wales and Northern Ireland. Scotland has its own bands from 19% to 48%. The calculator applies the correct bands for your region and shows the exact Income Tax due on your salary.
It defaults to the 2026/27 tax year (6 April 2026 to 5 April 2027), and you can switch to 2025/26 or 2024/25 using the tax-year selector. Rates are taken directly from HMRC and the Scottish Government and updated when bands change.
Yes. Tick 'Resident in Scotland' and the calculator applies the Scottish income-tax bands (Starter, Basic, Intermediate, Higher, Advanced and Top rates). A tax code beginning with S does the same thing automatically. National Insurance is reserved to Westminster and identical across the UK.
Yes. The calculator reads standard codes like 1257L, flat-rate codes (BR, D0, D1, and the Scottish SBR, SD0–SD3), 0T, NT, K codes and emergency W1/M1/X codes. K codes are capped by HMRC's 50% regulatory limit, and codes ending in M or N already include the Marriage Allowance transfer, so it is not applied twice. Leave the field blank to use the standard allowance with the £100,000 taper applied automatically.
Income Tax on a bonus averages out across the year under a cumulative tax code, but National Insurance does not — NI is charged on each pay period separately. A large bonus pushes that single period above the upper earnings limit, so most of the bonus is charged NI at 2% rather than 8%. The calculator models the bonus period separately and shows what you take home in it.
Your personal allowance reduces by £1 for every £2 of adjusted net income above £100,000, and disappears entirely at £125,140. The calculator handles this taper automatically.
Pick the arrangement your payroll uses, because they are not equivalent. Salary sacrifice reduces your gross pay, so it saves both Income Tax and National Insurance. Auto-enrolment applies your percentage to qualifying earnings only (the band between £6,240 and £50,270) and comes off before tax but not before NI. A personal pension is paid from net pay and does not change your payslip at all. An employer contribution is paid on top of your salary and costs you nothing.
The calculator supports Plan 1, Plan 2, Plan 4 (Scotland), Plan 5, and Postgraduate loans. Repayments are 9% above the threshold for undergraduate plans and 6% for postgraduate loans. HMRC only ever deducts one undergraduate plan at a time, so if you tick more than one the lowest threshold is used; a Postgraduate Loan is repaid on top of an undergraduate plan.
Yes. Salary sacrifice is split into arrangements that save National Insurance only and those that are exempt from tax as well, because they affect your payslip differently. Childcare vouchers are exempt up to a monthly cap that depends on your tax band and whether you joined the scheme before 6 April 2011. Benefits in kind are added to your taxable pay but attract no employee National Insurance — the employer pays Class 1A on those instead.
No. It is an estimate based on employee-only Class 1 National Insurance and the published rates for the year you select. For salary structuring, dividend planning, or tax efficiency, book a free consultation with Countify.
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