How is UK take-home pay calculated?

Gross salary minus income tax (applied to bands above the Personal Allowance) minus National Insurance contributions (Class 1). Student loan, pension, and other deductions are separate.

What is the £100,000 Personal Allowance trap?

For every £2 earned above £100,000, the £12,570 Personal Allowance reduces by £1. Between £100,000 and £125,140, the effective marginal tax rate is 60% (40% tax + the loss of allowance). Salary sacrifice pension contributions can reduce this.

10 / TAKE-HOME PAY

Salary Take-Home Calculator

Calculate your net salary after income tax and social contributions. Covers UK, Germany, USA, France, Netherlands, and Australia — switch country instantly.

GuideHow take-home is calculated

Income, Tax, and Borrowing Cluster

These pages work best as a connected cluster: calculate take-home pay, convert salary to freelance pricing, then pressure-test borrowing and repayment assumptions.

Select Country

Gross Annual Salary — United Kingdom

£10,000£250,000

Gross Salary

£45,000

Income Tax

14.4%

(£6,486)

National Insurance

5.8%

(£2,594)

Net Take-Home

£35,920

Estimates based on 2026 tax rates. Does not account for pension contributions, student loans, or other deductions. For guidance only.

Results

Monthly Take-Home

£2,993

Annual Take-Home

£35,920

£2,993/month · £691/week

Effective Tax Rate

20.2%

£9,080 total deductions per year

Income Breakdown

You keep 79.8%

Tax & NI 20.2%

Equivalent Rates

Daily (260 days)

£138

Hourly (40hr week)

£17

⟳ UK 2025/26 tax bands applied. Check again when budgets or rates change.

Cluster Hubs

Use these organising pages when you want the main calculators and supporting guides for this topic grouped in one place.

Browse all calculatorsUse the main calculator directory when salary and borrowing questions move across categories.Open the income, tax, and borrowing hubKeep salary, freelance, loan, and affordability pages grouped within one commercial cluster.Open the property, tax, and estate hubUse the adjacent planning hub when income questions turn into tax-aware property or wealth decisions.

Related Calculators

Move sideways to closely related calculators without leaving the same topic cluster.

Use the Freelance Rate CalculatorWork backwards from desired salary to minimum hourly and day rate.Use the Loan RepaymentMonthly repayments and true APR on any loan or credit agreement.Use the Mortgage AffordabilityThe maximum you can borrow based on income, deposit, and stress test.

Related Guides

Use these supporting explainers when you need the formula, assumptions, or decision framing behind the numbers.

Read Salary Sacrifice: Tax and National Insurance Savings Explained How Salary Take-Home Is CalculatedBreak down gross-to-net pay across tax and social contribution systems.Freelance Rate: Working Backwards from Desired SalaryConvert target income into billable day-rate requirements.Loan Repayment: True APR ExplainedUnderstand repayment schedules, APR, and total borrowing cost.