Salary Take-Home Pay Calculator
Work out income tax, National Insurance and net take-home pay from a gross salary — annual, monthly and weekly. Uses 2025/26 (England, Wales & Northern Ireland) rates.
Your salary
Take-home pay
Net annual
£39,520
Net monthly
£3,293
Net weekly
£760
Effective tax rate
21.0%
Deductions
Income tax
£7,486
National Insurance
£2,994
Personal allowance
£12,570
Total deductions
£10,480
| Band | Amount in band | Tax due |
|---|---|---|
| Basic rate (20%) | £37,430 | £7,486 |
| NI (8%) | £37,430 | £2,994 |
Household benefits
2025/26 rates. Child Benefit and Marriage Allowance are based on whichever partner earns more, not household income combined.
Estimates only, based on published HMRC rates for 2025/26 (England, Wales & Northern Ireland). Assumes no pension contributions, student loan or benefits-in-kind, and standard tax code. Net take-home figures above do not include Child Benefit or Marriage Allowance shown below. Not tax advice — for an exact figure, check your payslip or consult an accountant.
How this works
Your salary is taxed in bands: the first £12,570 is tax-free (your Personal Allowance — reduced by £1 for every £2 earned over £100,000, reaching £0 at £125,140), the next £37,700 is taxed at 20%, the next £74,870 at 40%, and anything beyond that at 45%.
National Insurance is charged separately: 8% on earnings between £12,570 and £50,270, and 2% above that.
Frequently asked questions
- Does this include pension contributions?
- No — enter your gross salary before any pension deduction. Pension contributions would reduce your taxable income further.
- What about Scottish Income Tax?
- This calculator uses England, Wales & Northern Ireland rates. Scotland has different income tax bands and rates.
- Is this exact to the penny?
- It's a close estimate based on annual HMRC rates. Your actual payslip may differ slightly due to pay-period rounding, tax codes, or other deductions.
- Why is Child Benefit based on the higher earner, not household income?
- The High Income Child Benefit Charge looks at whichever partner has the higher individual income — a household with two earners on £55,000 each keeps full Child Benefit, while a single-earner household on £70,000 does not, even though the second household's total income is lower.
Want the full picture? Open the full Mortgage Case Calculator →