Take-Home Pay
Calculator
Enter your annual salary and student loan plan. Instantly see your monthly and annual breakdown — income tax, National Insurance, student loan, and actual take-home pay.
Your Details
2025/26 tax year rates
Monthly Take-Home
£2,093.30
16.3% effective deduction rate
Where your salary goes
| Breakdown | Monthly |
|---|---|
| Gross Salary | £2,500.00 |
| — Income Tax | −£290.50 |
| — National Insurance | −£116.20 |
| Net Take-Home | £2,093.30 |
Personal Allowance
£12,570
Tax-free income
Effective Rate
16.3%
All deductions combined
Hourly Rate
£12.88
37.5hr week, net
True as of April 2026 (2025/26 tax year). Calculations use standard PAYE rates and do not account for pension contributions, employer schemes, blind person's allowance, marriage allowance, or other adjustments. Tax bands and thresholds are subject to change. For illustration only — not financial advice. If unsure, do your own independent research at gov.uk/income-tax-rates.
What these numbers mean
True as of April 2026 · subject to changeIncome Tax
You pay 20% on income between £12,571 and £50,270 (basic rate), 40% from £50,271 to £125,140 (higher rate), and 45% above that (additional rate). You pay 0% on the first £12,570 — that's your Personal Allowance. It reduces by £1 for every £2 you earn over £100,000.
National Insurance
Employee NI is 0% up to £12,570, 8% on earnings between £12,570 and £50,270, and 2% above £50,270. It's separate from income tax and funds the NHS, state pension, and benefits — but the rate is lower than income tax.
Student Loan
You repay 9% of earnings above your plan's threshold — not 9% of your total salary. So if you earn £5,000 above the threshold, you pay £450/year (£37.50/month). Nothing is owed if your salary is below the threshold.
Net Take-Home
This is what actually lands in your bank account. After income tax, NI, and any student loan deductions, this is the number that matters for budgeting. Use the 50/30/20 rule: 50% needs, 30% wants, 20% savings.
Effective Rate
Your effective rate is the percentage of your total salary that goes on all deductions combined. It's almost always lower than your marginal tax rate (the rate on your last pound of income) because lower earnings are taxed at lower rates.
Personal Allowance
The first £12,570 of your income is completely tax-free in 2025/26. If you earn over £100,000, this reduces — gone entirely at £125,140. This is why the 100k+ effective tax rate is so high.