Take-Home Pay Calculator
See what lands in your bank account each month after tax, National Insurance, and pension contributions.
2026/27 rates · last verified 15 August 2026
Estimates only, not financial advice. Verify with HMRC or a qualified accountant before making decisions. See our full disclaimer.
Income Tax breakdown
| Band | Taxed at | Amount in band | Tax |
|---|---|---|---|
| Basic rate | 20% | £22,430.00 | £4,486.00 |
How this is calculated
Your take-home pay is what's left of your salary after all deductions. This calculator shows the monthly and annual breakdown, so you know what to expect on payday.
It uses the same calculation as our Salary Calculator: Income Tax, Class 1 National Insurance (calculated on your full salary, not reduced by a net pay pension), and any pension contribution taken before tax for Income Tax purposes, just framed around what actually lands in your account each payday rather than your headline salary.
Frequently asked questions
Is take-home pay the same as net pay?
Yes, take-home pay and net pay both refer to your earnings after Income Tax, National Insurance, and other deductions.
What deductions are included?
Income Tax, Class 1 National Insurance, and any pension contribution taken before tax under a net pay arrangement are included. National Insurance is calculated on your full salary, since a net pay pension doesn't reduce it. Student loan repayments and salary sacrifice benefits aren't modelled yet.
Why does take-home pay vary month to month if my salary is fixed?
The figures here are annualised and divided evenly, but in reality bonus months, differing days in a pay period, and how your employer spreads your tax-free allowance across the year can shift what actually lands each month slightly.
Does this show pay after tax for self-employed income?
No. This is for salaried/PAYE income. If you're a sole trader, use the Self-Employed Tax Calculator instead, since you pay tax and National Insurance differently.
How often are the rates on this page updated?
We update the figures whenever HMRC publishes new rates for a tax year, and show the exact date they were last checked at the top of the calculator.
Related calculators
Salary Calculator
Work out your take-home pay from a gross salary, including Income Tax, National Insurance, and pension contributions.
Income Tax Calculator
Calculate how much Income Tax you owe, broken down by tax band: basic, higher, and additional rate.
National Insurance Calculator
Estimate your Class 1 National Insurance contributions as a standard employee, based on current NI thresholds and rates.