UK Take-Home Pay Calculator (2025/26)
See exactly what lands in your bank account each month after income tax, National Insurance, pension and student loan deductions.
2025/26 tax year. Includes PA taper above £100k. 45,000 gross → £34,119.60 net.
How this take-home pay calculator works
Pension contributions are deducted from gross pay first (salary sacrifice approximation).
Income tax and National Insurance are calculated on the remainder using 2025/26 rates.
Student loan repayments are 9% of income above your plan's threshold: £26,065 (Plan 1), £28,470 (Plan 2 & 5), £32,745 (Plan 4 Scotland).
Monthly take-home is the annual total divided by 12.
Frequently asked questions
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