What does net pay mean?
Net pay is the amount that reaches your bank account after deductions such as Income Tax, employee National Insurance, workplace pension contributions and student loan repayments.
Updated for the 2026/27 tax year
UK net pay calculator
See how much of your salary you could take home after Income Tax, National Insurance, pension contributions and student loan repayments.
Nothing entered is savedBased on published HMRC ratesFree to use
Your salary details
£
%
Can apply alongside another student loan.
Estimated take-home pay
£2,858
per month after estimated deductions
Annual take-home
£34,300
76.2% kept23.8% deducted
Weekly
£659.61
Monthly
£2,858.30
Yearly
£34,299.60
Pay breakdown
Annual
Gross salary£45,000.00
Income Tax−£6,036.00
Employee National Insurance−£2,414.40
Your pension contribution−£2,250.00
Take-home pay£34,299.60
Estimated using a standard Personal Allowance and employee NI category A. Actual payslips can differ because of tax codes, payroll periods, benefits and other deductions.
PAYE does not always settle everything
Do you also have income outside your salary?
Property income, self-employment, dividends, foreign income or other untaxed income can change your tax position. Our guided questionnaire helps you organise the details for an accountant to review.
- Save and return later
- Securely organise your figures
- Designed for Self Assessment
- Reviewed by a real accountant
How your take-home pay is calculated
The calculator annualises your gross pay, applies the standard Personal Allowance, works through the relevant Income Tax bands and then estimates employee Class 1 National Insurance. Pension and student loan selections are applied separately so you can see where your gross salary goes.
Income Tax
For England, Wales and Northern Ireland, the 2026/27 rates are 20%, 40% and 45%. Scotland has separate earned-income bands.
National Insurance
For a standard category A employee, the main 2026/27 rates are 8% and 2% above the relevant thresholds.
Personal Allowance
The standard allowance is £12,570 and starts reducing when adjusted net income exceeds £100,000.
Net pay calculator FAQs
The assumptions behind your estimated salary after tax.
Why might this estimate differ from my payslip?
Payroll calculations can be affected by your tax code, pay dates, benefits, bonuses, previous pay in the tax year, National Insurance category and other deductions. This calculator uses an annual estimate and standard employee assumptions.
Does salary sacrifice reduce tax and National Insurance?
A qualifying salary-sacrifice pension normally reduces the salary subject to Income Tax and employee National Insurance. Other pension arrangements may reduce Income Tax without reducing National Insurance.
Do I need Self Assessment if I already pay PAYE?
Sometimes. Income outside your employment—such as self-employment, rent, dividends or foreign income—can create additional reporting or tax obligations. Your overall circumstances determine whether a return is required.
More than one source of income?
Use our guided Self Assessment questionnaire to organise salary, self-employment, property and other income for professional review.
Start the Self Assessment questionnaire