Take Home Pay Calculator 2025/26
Enter your salary to see exactly what you take home each month, week, and day after income tax and National Insurance. Updated for the 2025/26 tax year.
How take home pay is calculated
Your take home pay is your gross salary minus income tax, National Insurance, and any other deductions (like student loan repayments or pension contributions). For the 2025/26 tax year, the personal allowance is £12,570 — you pay no income tax on this amount.
What affects your take home?
The main factors are your tax code, whether you're in England/Wales or Scotland (Scotland has different tax bands), student loan repayments, and pension contributions. Use the calculator to see how each one affects your monthly take home.
Monthly vs annual take home
Your monthly take home is simply your annual take home divided by 12. Weekly is divided by 52, and daily by 260 (working days). These are useful for budgeting rent, bills, and savings.
Tax bands and rates for 2025/26
In England, Wales and Northern Ireland, the income tax rates are 20% on earnings between £12,571 and £50,270 (basic rate), 40% on earnings between £50,271 and £125,140 (higher rate), and 45% on earnings above £125,140 (additional rate). National Insurance is charged at 8% on earnings between £12,570 and £50,270, and 2% above £50,270. Scotland has its own income tax bands including a starter rate of 19%, intermediate rate of 21%, higher rate of 42%, advanced rate of 45%, and top rate of 48%. National Insurance rates are the same across the UK. Your take home pay depends on which rates apply to your income.
Ways to increase your take home pay
There are several ways to increase your take home pay without changing your gross salary. Making pension contributions through salary sacrifice reduces your taxable income and saves both income tax and National Insurance. Claiming the Marriage Allowance can transfer £1,260 of personal allowance to a spouse, saving up to £252 per year. If you work from home, you may be able to claim working from home tax relief. Checking your tax code is correct ensures you are not overpaying through an error.
Take home pay by salary
| Salary | Monthly take home | Annual take home |
|---|---|---|
| £20,000 | £1,493.3 | £17,919.6 |
| £22,000 | £1,613.3 | £19,359.6 |
| £24,000 | £1,733.3 | £20,799.6 |
| £26,000 | £1,853.3 | £22,239.6 |
| £28,000 | £1,973.3 | £23,679.6 |
| £30,000 | £2,093.3 | £25,119.6 |
| £32,000 | £2,213.3 | £26,559.6 |
| £34,000 | £2,333.3 | £27,999.6 |
| £36,000 | £2,453.3 | £29,439.6 |
| £38,000 | £2,573.3 | £30,879.6 |
| £40,000 | £2,693.3 | £32,319.6 |
| £42,000 | £2,813.3 | £33,759.6 |
| £44,000 | £2,933.3 | £35,199.6 |
| £46,000 | £3,053.3 | £36,639.6 |
| £48,000 | £3,173.3 | £38,079.6 |
| £50,000 | £3,293.3 | £39,519.6 |
| £55,000 | £3,538.12 | £42,457.4 |
| £60,000 | £3,779.78 | £45,357.4 |
| £65,000 | £4,021.45 | £48,257.4 |
| £70,000 | £4,263.12 | £51,157.4 |
| £75,000 | £4,504.78 | £54,057.4 |
| £80,000 | £4,746.45 | £56,957.4 |
| £85,000 | £4,988.12 | £59,857.4 |
| £90,000 | £5,229.78 | £62,757.4 |
| £95,000 | £5,471.45 | £65,657.4 |
| £100,000 | £5,713.12 | £68,557.4 |
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