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Take-Home Pay Calculator (2025/26)
Step 1 of 20%
How it works
We apply the 2025/26 UK thresholds in order: deduct pension first (pre-tax), then taper the personal allowance if income exceeds £100k, calculate income tax on the remainder, calculate NI, then deduct any student loan repayment plan.
Worked example
£45,000 salary, no pension, no student loan: Tax = (45,000−12,570) × 20% = £6,486. NI = (45,000−12,570) × 8% = £2,594. Take home = £35,920/year ≈ £2,993/month.
Who should use this
- •Employees checking a payslip
- •Job-changers comparing offers
- •People weighing pension contribution increases
- •Anyone hit by the 60% effective tax trap (£100k–£125k)
Common mistakes
- ×Forgetting to add employer pension contribution to the comparison
- ×Not realising the 60% marginal rate between £100k–£125k
- ×Comparing gross salaries when one role offers better benefits
- ×Using English bands for a Scottish-resident worker
Frequently asked questions
What's my take-home on £30k?▾
Around £25,225/year (£2,102/month) with standard tax code, no pension or student loan.
How much tax on £100k?▾
About £27,432 income tax + £5,194 NI = £67,374 take home, before personal allowance taper kicks in above £100k.
Do I pay NI on pension contributions?▾
Salary sacrifice pension contributions reduce gross pay before NI — saving both tax and NI. Net pay schemes save tax only.