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UK Income Tax and NI Calculator

A practical UK take-home pay view for salary offers and tax-year planning.

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Results to check first

Estimate UK take-home pay after Income Tax, National Insurance, pension, and student loan.

2026 estimate

Monthly take-home

£2,843.30

This estimate simplifies household, contract, regional, and tax-free allowance differences. Prefer the latest payslip and official calculation.

Monthly take-home

£2,843.30

Income tax

£6,036.00

National insurance

£2,594.40

Student loan

£0.00

Effective rate

24.2%

Scenario comparison

Current inputs

£2,843.30

Average salary

£2,843.30

vs current: —

With student loan

£3,461.16

vs current: +£617.86

Inputs

Inputs are calculated in your browser and are not saved on the server.

check_circle Inputs are within range

Quick examples

How to use it

  1. 1Enter gross pay and pay frequency from the offer.
  2. 2Match deduction rates to a recent payslip and review annual deductions.
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Important note

This estimate simplifies household, contract, regional, and tax-free allowance differences. Prefer the latest payslip and official calculation.

What this tool calculates

Estimate UK take-home pay after Income Tax, National Insurance, pension, and student loan.

Usage notes

  • Annual gross = monthly gross × payments + bonus
  • Monthly net = (annual gross - contributions - withholding - other deductions) ÷ 12

Frequently asked questions

What can I check with UK Income Tax and NI Calculator?expand_more

Estimate UK take-home pay after Income Tax, National Insurance, pension, and student loan.

Is this an official result?expand_more

No. It is a planning estimate. Confirm tax, payroll, loan, and benefit decisions with official sources or a qualified professional.

Why are rates editable?expand_more

Local rules can vary by year, household, region, and contract. Editable rates make the calculator useful even when rules change.

2,843.3

Financial planning notice

This tool provides reference estimates only. Do not use it as the sole basis for lending, repayment, investment, tax, or contract decisions. Confirm the result with your lender, official documents, or a qualified professional before acting.

Result workspace

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