UK Take-Home Pay Calculator
Enter your gross salary to see what you take home after income tax, National Insurance, pension and student loan. England, Wales & Northern Ireland.
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For England, Wales and Northern Ireland (tax code 1257L). Scottish income tax bands differ.
How UK take-home pay is calculated
Take-home (net) pay is your gross salary minus income tax, employee National Insurance, workplace pension contributions and any student loan repayments. This calculator uses the rates for England, Wales and Northern Ireland: a £12,570 personal allowance, 20% basic rate on the next £37,700, 40% higher rate up to £125,140 and 45% above that. The personal allowance is reduced by £1 for every £2 earned above £100,000. Employee National Insurance is 8% between £12,570 and £50,270 and 2% above.
Take-home pay at common UK salaries (no pension, no student loan)
| Gross | Income tax | NI | Take-home / year | 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 |
| £35,000 | £4,486 | £1,794 | £28,720 | £2,393 |
| £40,000 | £5,486 | £2,194 | £32,320 | £2,693 |
| £50,000 | £7,486 | £2,994 | £39,520 | £3,293 |
| £60,000 | £11,432 | £3,211 | £45,357 | £3,780 |
| £75,000 | £17,432 | £3,511 | £54,057 | £4,505 |
| £100,000 | £27,432 | £4,011 | £68,557 | £5,713 |
Working out your hourly figure? See the hourly to salary calculator, the UK PAYE calculator or the stamp duty calculator. Estimates only — not tax advice.
How to use it
- Enter your gross annual salary in pounds.
- Add your pension contribution and student loan plan if you have them.
- Read your take-home pay per year, month, week and day.
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Frequently asked questions
How much is £30,000 after tax in the UK?
On £30,000 with no pension or student loan you pay about £3,486 income tax and £1,394 National Insurance, leaving roughly £25,120 a year (about £2,093 a month).
Which UK tax rates does this calculator use?
England, Wales and Northern Ireland rates: £12,570 personal allowance, 20% basic rate, 40% higher rate above £50,270 of income, 45% additional rate above £125,140, and employee National Insurance at 8% and 2%.
Does it work for Scotland?
Not exactly. Scotland has its own income tax bands, so the result is only an approximation for Scottish taxpayers. National Insurance is the same across the UK.
How is pension contribution treated?
The pension percentage is deducted before income tax (net pay or salary sacrifice style). National Insurance is calculated on your full gross salary, so results may differ slightly from your payslip.
How are student loan repayments calculated?
Plans 1, 2, 4 and 5 repay 9% of income above the plan threshold (2025/26 thresholds are used) and a postgraduate loan repays 6% above £21,000. Thresholds change each April, so check gov.uk for the latest.