UK Income Tax & Take-Home Calculator
Enter your gross salary and any pension contribution to see your take-home pay per year, month and week. It uses the 2026/27 income tax bands and personal allowance for England, Wales and Northern Ireland and employee National Insurance rates.
Runs in your browser. Your files never leave your device.
Use this for a net pay arrangement. National Insurance is still charged on the full salary.
Take-home per year
£35,920
Per month
£2,993.30
Per week
£690.76
| Gross salary | £45,000 |
| Pension contribution | -£0 |
| Personal allowance used | £12,570 |
| Income tax | -£6,486 |
| National Insurance (employee) | -£2,594 |
| Take-home pay | £35,920 |
An estimate for 2026/27 for employees in England, Wales and Northern Ireland. Scotland has different income tax bands. It leaves out student loans, benefits in kind, tax codes and other income. Check gov.uk for your own tax code.
How it works
- 01Enter your yearly gross salary.
- 02Add any pension contribution.
- 03Read your take-home pay and the breakdown.
Questions
Does it work for Scotland?
No. Scotland has different income tax bands. This calculator is for England, Wales and Northern Ireland.
What does it leave out?
Student loan repayments, benefits in kind, tax codes and other income.
Is my file uploaded to a server?
No. Everything happens inside your browser on your own device. Your files are never sent to us or anyone else.
Is it free?
Yes. It is free to use, with no signup, no watermark and no daily limit.