UK salary calculator: your take-home pay
See how much reaches your bank account after tax, National Insurance, pension and student loan deductions.
Free to use · No account needed · 2026/27 estimates
Your salary
Enter your gross yearly pay before any deductions.
Tells us whether the amount above is yearly, monthly or weekly.
Estimated take-home
£3,127/ month
£37,520 / year
2026/27 · England · 5% of full salary into a pension · No student loan
Rates checked 9 September 2026 against GOV.UK: rates and thresholds for employers 2026 to 2027 and gov.scot: Scottish Income Tax rates and bands 2026 to 2027.
Estimated take-home pay
£3,127/ month
£37,520 / year
That's approximately £721.53 per week.
- Gross salary
- £50,000
- Total deductions
- £12,480
- Total deductions (%)
- 25%
Includes tax, National Insurance, pension, student loans and other deductions.
Based on 2026/27 · England · 5% of full salary into a pension · No student loan.
Pay breakdown
Annual figures, with the monthly equivalent alongside.
You keep 75% of your gross pay. Your employer also pays £1,500 into your pension.
Your salary at a glance
How your gross pay splits between take-home pay and deductions.
- Take-home pay£37,52075%
- Income tax£6,98614%
- National Insurance£2,9946%
- Pension£2,5005%
Of a gross salary of £50,000, you keep £37,520 as take-home pay. Deductions are: Income tax £6,986, National Insurance £2,994, Pension £2,500.
Considering a pay rise?
See how much of a raise actually reaches you.
- Gross increase
- +£10,000
- Extra take-home per year
- +£6,038
- Extra take-home per month
- +£503
- Share of the raise you keep
- 60.4%
What happens if your salary changes?
Drag the slider to see how monthly take-home pay moves with gross salary.
Highlighted point: your current salary of £50,000, giving about £3,127 a month.
UK salary after tax: compare common salaries
These 2026/27 estimates use England, tax code 1257L, a 5% workplace pension on full gross pay, and no student loan, bonus or other deductions. Monthly amounts are annual estimates divided by 12. Change the calculator settings above to match your circumstances.
| Annual salary | Annual take-home | Monthly take-home |
|---|---|---|
| £30,000 after tax | £23,920 | £1,993 |
| £40,000 after tax | £30,720 | £2,560 |
| £45,000 after tax | £34,120 | £2,843 |
| £47,000 after tax | £35,480 | £2,957 |
| £50,000 after tax | £37,520 | £3,127 |
| £60,000 after tax | £43,557 | £3,630 |
| £70,000 after tax | £49,057 | £4,088 |
| £80,000 after tax | £54,557 | £4,546 |
| £100,000 after tax | £65,557 | £5,463 |
| £120,000 after tax | £73,757 | £6,146 |
How do I calculate my take-home pay?
Start with your gross salary before deductions. Select your tax year and UK location, then enter your tax code, pension and student loan settings. The calculator shows estimated Income Tax, National Insurance and other deductions alongside the amount left each month. Gross pay and take-home pay are different: the latter is what remains after deductions.
How much of a pay rise will I keep?
Compare your current and proposed salary using the same settings. The difference between their take-home figures shows the estimated extra money available to you. Our salary comparison calculator shows annual and monthly results so you can assess an offer or pay rise.
Why might my payslip show a different amount?
This tool estimates a full year of steady employment. Your payroll may account for part-year work, earlier earnings, irregular bonuses, rounding or a different pension setup. Check the assumptions before comparing the estimate with one month's payslip. Read how our estimates work for calculation assumptions and the official sources used for our tax-year figures.
Can I calculate Scottish take-home pay?
Yes. Choose Scotland in the tax location selector to use the Scottish Income Tax bands stored for your selected year. England, Wales and Northern Ireland are also available. You can switch between 2026/27, 2025/26 and 2024/25 to compare estimates using the rates configured for each year.
Explore your pay in more detail
Salary sacrifice, net pay and relief at source for the same pension target.
Scottish rates, a full calculator and regional comparisons.
Plan thresholds, postgraduate repayments and monthly averages.
Explore adjusted net income and the personal allowance taper.