Work out your take-home pay under PAYE (2025/26): income tax and employee National Insurance on your salary, with net monthly pay and effective rate.
Données vérifiées · July 2026
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Splits a rest-of-UK salary the way HMRC does for 2025/26: the £12,570 personal allowance (tapered £1 for every £2 of income above £100,000), income tax at 20% / 40% / 45%, and employee National Insurance at 8% between £12,570 and £50,270 then 2% above. Salary-sacrifice pension contributions cut both the taxable and NICable pay.
A £45,000 salary: £6,486 income tax + £2,594 employee NIC = £9,080 deducted, leaving £35,920 net (£2,993/month) — a 20.2% effective rate.
Enter your gross annual salary.
Adjust the personal allowance only if your tax code differs from the standard 1257L.
Add any salary-sacrifice pension percentage — it reduces taxable and NICable pay.
Read your income tax, employee NIC, and net monthly take-home.
Last data update
July 7, 2026
Sources and references
HMRC — Income Tax rates and Personal Allowances (gov.uk/income-tax-rates); National Insurance rates for employees (gov.uk/national-insurance-rates-letters), 2025/26.
The data in this calculator is updated regularly to reflect the latest official rates. When in doubt, consult the official sources listed above.
No — it uses rest-of-UK bands (20/40/45%). Scottish taxpayers have additional starter, basic, intermediate, higher, advanced and top rates.
PAYE deducts income tax and NIC only. Use the Student Loan Repayment calculator for the additional 9%/6% deductions.