2026/27 tax year

UK take-home pay calculator

Estimate Income Tax, employee National Insurance and take-home salary using current UK rates.

Your annual salary

Enter your gross employment income before deductions.

Gross annual salary

Where do you live?England, Wales or Northern Ireland20%, 40% and 45% Income Tax bandsScotlandScottish Income Tax rates and bands

Starts with a standard employee and NI category A. Open the options below to add pension, loans, benefits and adjustments.

Your income summary

Yearly

Monthly

Gross income

£45,000.00

£3,750.00

£865.38

Tax-free income

£12,570.00

£1,047.50

£241.73

Taxable income

£32,430.00

£2,702.50

£623.65

Income Tax

£6,486.00

£540.50

£124.73

National Insurance

£2,594.40

£216.20

£49.89

Total deductions

£9,080.40

£756.70

£174.62

Take-home income

£35,919.60

£2,993.30

£690.76

Effective deduction rate20.18%

Income Tax breakdown

Personal Allowance£12,570.00

Basic rate (20%)£32,430.00 taxable£6,486.00

Estimate only

This calculator provides a simplified estimate, not financial or tax advice. PAYE can vary because of tax codes, pay frequency and personal circumstances. Check your calculation with HMRC or a qualified adviser.

Check the official HMRC calculator