UK Take-Home Pay Calculator
Calculate your UK take-home pay for 2025/26 or 2024/25. Enter your salary or hourly rate to see your income tax, National Insurance, student loan, and pension deductions — with annual, monthly, weekly, and hourly breakdowns.
Gross Income
£35,000
per year
Total Deductions
£8,030
per year
Take-Home Pay
£26,970
per year
Effective Deduction Rate
22.94%
of gross income
| Deduction | Annual | Monthly | Weekly | Hourly |
|---|---|---|---|---|
| Income Tax | £4,486 | £374 | £86 | £2.30 |
| National Insurance | £1,794 | £150 | £35 | £0.92 |
| Pension | £1,750 | £146 | £34 | £0.90 |
| Total Deductions | £8,030 | £669 | £154 | £4.12 |
| Take-Home Pay | £26,970 | £2,247 | £519 | £13.83 |
Frequently Asked Questions
What deductions are taken from my gross pay?
The main deductions from gross pay in the UK are income tax, National Insurance contributions (Class 1 for employees, Class 2 and 4 for the self-employed), student loan repayments (if applicable), and pension contributions. This calculator shows each deduction clearly, plus your resulting take-home pay.
What is the difference between gross pay and take-home pay?
Gross pay is your earnings before any deductions. Take-home pay (also called net pay) is what you actually receive after income tax, National Insurance, student loan repayments, and pension contributions are deducted. For a typical salary of £35,000, take-home pay in 2025/26 is roughly £27,000–£28,000 depending on your circumstances.
How does pension contribution affect take-home pay?
Pension contributions reduce your take-home pay by the contribution amount, but they may also reduce your taxable income depending on the type of scheme. This calculator lets you enter a percentage or fixed annual pension contribution so you can see the direct impact on your net pay.
Can I calculate take-home pay from an hourly rate?
Yes. Switch the income mode to "Hourly Rate" and enter your hourly wage and hours per week. The calculator will compute your gross annual income (rate × hours × 52) and then apply all relevant deductions to show your take-home in annual, monthly, weekly, and hourly amounts.