Calculate your take-home pay
Pension, student loan and more
Usually A. Your payslip shows the category used by payroll.
Supports S/C prefixes, L/M/N/T codes, K codes, NT, BR, 0T and D codes. Emergency codes use an annual estimate.
Enter a target to estimate the salary needed.
An annual estimate for one employed job over 12 monthly paydays. Choose one-off bonus to apply NI and student-loan thresholds in a single pay period.
No login required.
Figures are estimates for the 2026/27 tax year, based on current UK rates.
See calculation details
Based on £45 000 gross annual pay in England, Wales or Northern Ireland.
Hourly take-home: £18.42.
Estimated using regular monthly payroll. Income Tax is annualised; actual PAYE may differ.
Where your salary sits across the UK
What would a typical pay rise give?
£46 530 a year. That’s +£92 a month after tax.
The UK median salary rise of ~3.4% on £45 000 a year, after your current deductions.
What these numbers mean for you
| Pay and deductions | Annual | Monthly | Weekly |
|---|---|---|---|
| Gross pay, including bonus | £45 000.00 | £3 750.00 | £865.38 |
| Income Tax | £6 486.00 | £540.50 | £124.73 |
| National Insurance | £2 593.92 | £216.16 | £49.88 |
| Pension from pay | £0.00 | £0.00 | £0.00 |
| Student loans | £0.00 | £0.00 | £0.00 |
| Take-home pay | £35 920.08 | £2 993.34 | £690.77 |
Show the working, line by line
Annualised figures from 12 equal monthly paydays. Weekly figures divide the annual estimate by 52. NI uses £1,048 per month (equivalent to £12,576 over 12 paydays), which can produce small differences from calculators using the £12,570 annual threshold.
- Gross annual pay including bonus
- £45 000.00
- Gross pension contribution
- £0.00
- Estimated adjusted net income (this job only)
- £45 000.00
- Pay subject to Income Tax after allowance
- £32 430.00
- £32 430.00 × 20% Income Tax
- £6 486.00
- Total Income Tax
- £6 486.00
- Pension deducted from pay
- £0.00
- Gross − tax − NI − loans − pension = take-home
- £35 920.08
Relief at source includes the provider’s basic-rate top-up, extended tax bands and any restored Personal Allowance. Take-home assumes HMRC adjusts your tax code for additional relief; otherwise you may need to claim it separately. Pension inputs are gross contributions, limited to your gross pay in this calculator; individual annual allowances and scheme limits can differ.
Common questions
Tax, pensions and student loans.
Does Scotland have different take-home pay?
Yes. Scottish residents pay different Income Tax rates on employment income. National Insurance remains under UK rules. Select Scotland above to see the estimated difference.
How do student loans affect take-home pay?
Repayments start only when pay exceeds the threshold for your plan in that pay period. Most undergraduate plans charge 9% over the threshold; postgraduate loans charge 6%. You can select both when relevant.
Is pension salary sacrifice the same as a normal pension contribution?
No. Under salary sacrifice, your contractual pay is reduced, so Income Tax, National Insurance and usually student loan calculations can change. A net pay pension contribution usually reduces taxable pay but not National Insurance. Relief at source contributions come from pay after tax, with basic rate relief added into the pension.
Can I use this for an hourly wage or a job offer?
Yes. Enter your hourly rate and switch the pay period to hourly, then set hours per week if you do not work a 37.5-hour week.