Employees and households optimizing real take-home outcomes.
Take-Home Pay Calculator
Calculate your take-home pay after income tax, National Insurance, student loans, and pension. 2024/25, 2025/26 and 2026/27 HMRC tax rates.
How we calculate this - methodology, formulas & sources£39,520/yr
Marginal tax rate by salary
Understanding your payslip
Income Tax - charged on earnings above your personal allowance (£12,570/yr), at rates from 20% to 45%.
National Insurance - a separate payroll tax: 8% on earnings between £12,570 and £50,270, then 2% above that.
Payout preview for Apr
Base net pay: £3,293
Bonus paid this month: £0
RSU vest this month: £0
Estimated extra net from one-off payouts: £0
Estimated payout month net: £3,293
Uses your current marginal keep rate (72p per £1) for one-off payout estimation.
What if I get a raise? →
See how a pay rise changes your take-home after tax
| Annual | Monthly | |
|---|---|---|
| Gross salary | £50,000 | £4,167 |
| Personal allowance | £12,570 | £1,048 |
| Taxable income | £37,430 | £3,119 |
| Income tax | −£7,486 | −£624 |
| Basic rate (20%) × £37,430 | −£7,486 | −£624 |
| National Insurance | −£2,994 | −£250 |
| Main rate (8%) × £37,430 | −£2,994 | −£250 |
| Take-home | £39,520 | £3,293 |
Effective tax rate
21%
Daily take-home
£108
4-weekly
£3,040
2-weekly
£1,520
Employer NI
Your employer pays this on top of your salary - not deducted from your pay
£6,750/yr
Total employer cost
£56,750/yr
Marginal tax rate by salary