Take Home Pay Calculator
Make sense of your salary.
Enter your gross pay and see a clear estimate of what will reach your bank account. Change your region, pension or student loan to make the answer your own.
Free to use
Updated for the 2026/27 tax year
The Salary Hub calculator
What will I take home?
Estimated take home
£2,993per month
£35,920 a year after deductions
Take homePensionTax, NI & loan
Annual gross pay£45,000
Income tax−£6,486
National Insurance−£2,594
Pension sacrifice−£0
Student loan−£0
Estimate for standard PAYE, 2026/27. Actual payroll figures can vary by tax code and pay schedule.
Behind the number
From gross pay to take home
Gross pay − pension salary sacrifice − Income Tax − National Insurance − student loan = take home pay.
- 01
Choose annual, monthly or weekly gross pay. We convert it to a yearly figure before applying tax bands.
- 02
Income Tax uses the 2026/27 Personal Allowance and the rates for the part of the UK where you pay tax.
- 03
Employee National Insurance is calculated separately. Pension salary sacrifice and student loan repayments are optional inputs.
This is an annualised estimate for a standard PAYE employee. Tax codes, payroll rounding, benefits, other income and the timing of payments can change your payslip.
Keep exploring