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Take-Home Pay Calculator UK 2025/26

Free UK take-home pay calculator. Includes Income Tax, National Insurance, pension, and all student loan plans for 2025/26.

Net pay (per month)£2,431£29,170 per year · £561 per week
  • Gross salary£37,500.00
  • Pension (5%)£1,875.00
  • Income Tax£4,611.00
  • National Insurance£1,844.40
  • Take-home (annual)£29,169.60

Calculated for England, Wales and Northern Ireland. Excludes employer pension contributions, salary sacrifice, and benefits in kind. Student loan thresholds are 2024/25 figures.
How this is calculated

The maths, in plain English.

Your take-home pay (also called net pay) is what's left of your salary after these deductions:

  • Pension contributions — taken before tax (relief at source means you put in less for the same outcome)
  • Income Tax — calculated on the salary after pension
  • National Insurance (Class 1) — 8% on earnings between £12,570 and £50,270, then 2% above
  • Student loan repayments — 9% on income above your plan threshold (6% for postgraduate)

The figures you see are annual; we also break down monthly and weekly equivalents.

Note: this calculator covers PAYE employment in England, Wales, or NI. Self-employed income, dividends, multiple jobs, and salary sacrifice arrangements are all calculated differently.

Common questions

3 questions we get asked.

If yours is not here, ring us. We answer in four rings on weekdays and write back the same day on emails.

01 Does this include National Insurance?
Yes — Class 1 Employee NI is calculated alongside Income Tax. The employee NI rate for 2025/26 is 8% on earnings between £12,570 and £50,270, then 2% above that.
02 Does adding a pension reduce my take-home pay?
Yes, but it also reduces your taxable income — so part of the contribution is essentially funded by the tax you'd have paid. For higher-rate taxpayers, a £100 pension contribution typically only reduces take-home by £60.
03 Which student loan plan am I on?
Plan 1: started uni before September 2012 (English/Welsh) or before September 2025 (Northern Irish). Plan 2: English/Welsh starting Sep 2012–July 2023. Plan 4: Scottish students. Plan 5: English/Welsh starting Aug 2023+. Postgraduate: any postgraduate loan. Check your Student Loans Company account if unsure.
One call. Twenty minutes.

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