Enter your monthly gross salary — the amount before any deductions. Click Calculate and instantly see your monthly take-home after income tax and National Insurance, plus a full annual summary.
Take-home pay is what actually lands in your bank account each month after HMRC takes income tax and National Insurance. This calculator shows you both monthly and annual figures in one click.
The first £12,570 of annual earnings is tax-free. You pay 20% on earnings from £12,571 to £50,270, 40% from £50,271 to £125,140, and 45% above that.
You pay 8% NI on annual earnings between £12,570 and £50,270, and 2% on anything above £50,270.
- What is the take-home on a £3,000/month gross salary?
- On £3,000/month (£36,000/year) you'd pay approximately £4,686 income tax and £1,874 NI annually, leaving around £29,440 per year — or about £2,453 per month take-home.
- What is the take-home on a £5,000/month gross salary?
- On £5,000/month (£60,000/year) you'd pay approximately £11,432 income tax and £3,034 NI annually, leaving around £45,534 per year — or about £3,794 per month take-home.
- Why might my actual pay be different?
- This calculator uses the standard 1257L tax code. Your pay may differ if you have student loan repayments, a different tax code, salary sacrifice arrangements, or Scottish income tax rates.
- Is this calculator accurate for 2025/26?
- Yes — it uses the current 2025/26 tax year rates and thresholds. Personal allowance £12,570, basic rate 20%, higher rate 40%, NI at 8% and 2%.
- What is the personal allowance for 2025/26?
- The personal allowance for 2025/26 is £12,570. This is the amount you can earn before paying any income tax. The personal allowance is reduced by £1 for every £2 you earn above £100,000, and disappears entirely above £125,140.
- Do I pay less tax if I pay into a pension?
- Yes. Contributions to a workplace pension under salary sacrifice reduce your gross pay before tax and National Insurance are calculated, so you effectively save the tax and NI on the amount you contribute. This calculator does not account for pension contributions — enter your salary after any salary sacrifice deductions for the most accurate result.
- Are Scottish income tax rates different?
- Yes. Scottish taxpayers pay different rates of income tax — Scotland has more bands than the rest of the UK. This calculator uses England, Wales and Northern Ireland rates. If you pay Scottish income tax, use the Scottish Government's own calculator for precise figures.