UK · Free calculator
Salary after tax calculator
Convert a gross UK salary into estimated net pay after tax and National Insurance.
Your figures
Rates updated 2026-04-06. Results update as you type.
Estimated take-home pay for 2026/27.
- Monthly take-home
- £2,993.30
- Annual take-home
- £35,919.60
- Weekly take-home
- £690.76
- Income tax
- £6,486.00
- National Insurance
- £2,594.40
- Student loan
- £0.00
- Pension contribution
- £0.00
Where your salary goes
- Take-home £35,919.60
- Income tax £6,486.00
- NI £2,594.40
Breakdown
- Gross pay
- £45,000.00
- Personal Allowance
- £12,570.00
- Taxable income
- £32,430.00
How this calculator works
Personal Allowance is applied, then basic-rate tax and employee NI.
£45,000 after tax
Gross salary of £45,000 in England with no student loan.
Assumptions & sources
- Rates for UK tax year 2026/27.
- Employee Class 1 National Insurance only (not self-employed).
- Does not include marriage allowance, Blind Person’s Allowance, or other reliefs.
- Pension contributions modelled as a simple % of gross (relief at source unless salary sacrifice is selected).
Frequently asked questions
This page focuses on tax and NI. The take-home pay calculator also lets you model pension contributions and salary sacrifice.
Figures use 2026/27 rates published by HMRC / GOV.UK.
Estimates only
Handy Money Tools provides illustrative figures, not personalised financial or tax advice. Verify
important decisions with official sources or a qualified adviser.
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