Take Home Pay Calculator UK 2026
Calculate your take home pay — the net salary that arrives in your bank account after PAYE income tax, National Insurance, student loan repayments and pension contributions. Works as a paycheck calculator, net pay estimator, and wage calculator for the 2026 tax year. HMRC data.
Auto-enrolment minimum is 5%. Pension is via salary sacrifice.
2025/26 tax year · England, Wales & Northern Ireland · HMRC rates
Take-Home Pay
£2,288
per month
Annual Breakdown
Effective Rates
Effective Tax Rate (tax + NI)
16.5%
Marginal Income Tax Rate
20.0%
What "take home pay" means in the UK
In the UK, take home pay is your net wage after PAYE deductions — income tax, National Insurance Class 1, student loan repayments (if applicable), and any pension contributions. You may also see it called net pay, net salary, or net income.
Employer pension contributions are paid on top of your salary and go into your pension pot — they do not reduce your take home pay.
Frequently Asked Questions
How do I calculate take home pay in the UK?
Take home pay = gross salary − income tax − National Insurance − student loan (if any) − pension contributions. For 2026, the personal allowance is £12,570 and NI is 8% between £12,570–£50,270. Our calculator handles all deductions in one step.
What is the take home pay on £30,000 in the UK?
On £30,000 in 2026, your take home pay is approximately £24,086 per year — about £2,007 per month. This is after £3,486 income tax and £1,428 National Insurance, with no student loan or pension.
What is the take home pay on £50,000 in the UK?
On £50,000 in 2026, take home pay is £39,520 per year — £3,293 per month. This is after £7,486 income tax and £2,994 National Insurance. At £50,270 you start paying 40% tax on earnings above that threshold.
How is take home pay different from gross pay?
Gross pay is your salary before any deductions. Take home pay (net pay) is what actually arrives in your bank account after PAYE income tax, National Insurance, student loan repayments and pension contributions are deducted.
Does pension reduce my take home pay?
Yes, but it also reduces your tax and NI bill. A salary sacrifice pension reduces your taxable pay, so you pay less income tax and National Insurance — meaning the true cost to you is less than the headline contribution rate.
Take-Home Pay for Common UK Salaries (2025/26)
England, Wales & Northern Ireland. No student loan, no pension contribution. Source: HMRC 2025/26 rates.
| Salary | Income Tax | Nat. Insurance | Take-Home | Per Month | Eff. Rate |
|---|---|---|---|---|---|
| £20,000 | £1,486 | £594 | £17,920 | £1,493 | 10.4% |
| £25,000 | £2,486 | £994 | £21,520 | £1,793 | 13.9% |
| £30,000 | £3,486 | £1,394 | £25,120 | £2,093 | 16.3% |
| £35,000 | £4,486 | £1,794 | £28,720 | £2,393 | 17.9% |
| £40,000 | £5,486 | £2,194 | £32,320 | £2,693 | 19.2% |
| £50,000 | £7,486 | £2,994 | £39,520 | £3,293 | 21.0% |
| £60,000 | £11,432 | £3,211 | £45,357 | £3,780 | 24.4% |
| £80,000 | £19,432 | £3,611 | £56,957 | £4,746 | 28.8% |
| £100,000 | £27,432 | £4,011 | £68,557 | £5,713 | 31.4% |