UK Take Home Pay Calculator 2025/26
Calculate your exact UK take-home pay after income tax, National Insurance, student loan repayments and pension contributions. Monthly and weekly breakdown included.
Deduction Breakdown
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How to Use This UK Take-Home Pay Calculator
Enter your annual gross salary, select your NI category (Category A for most people), choose a student loan plan if applicable, and enter your pension contribution percentage. The results show your take-home pay annually, monthly and weekly.
Pension contributions entered here are treated as salary sacrifice (taken before income tax and NI), which is the most common workplace pension arrangement and gives the maximum tax benefit.
The Formula
Taxable income = Gross − Pension − Personal Allowance (£12,570)
Income Tax = 20% basic + 40% higher + 45% additional rate tax
NI (Cat A) = 8% on £12,570–£50,270 + 2% above £50,270
Student loan = 9% above threshold (plan dependent)
Take-Home = Gross − Tax − NI − Student Loan − Pension
Example
Pension: £2,250 (5% of £45,000)
Adjusted gross for tax: £42,750
Taxable income: £42,750 − £12,570 = £30,180
Income tax: £30,180 × 20% = £6,036
NI: (£45,000 − £12,570) × 8% = £2,594 (simplified, below UEL)
Student loan (Plan 2): (£45,000 − £27,295) × 9% = £1,593
Take-home: £45,000 − £6,036 − £2,594 − £1,593 − £2,250 = £32,527/year (£2,711/month)
Pay Breakdown Analyser
See exactly where each pound goes, with salary sacrifice and pension benefit analysis
Where each pound of your salary goes.
How increasing your pension contribution affects your take-home pay.
| Pension % | Pension Amount | Tax Saved | Net Cost | Take-Home |
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