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.
Take-Home Pay
£26,970
per year
Gross Income
£35,000
per year
Total Deductions
£8,030
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 |
How does 2026-27 compare to last year?
See what changed in thresholds, rates, and your take-home pay
Frequently asked questions
What deductions are taken from my gross pay?
The main UK deductions are income tax, National Insurance (Class 1 for employees, Class 2 and 4 for the self-employed), student loan repayments, 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 (net pay) is what you receive after income tax, National Insurance, student loan repayments, and pension contributions are deducted. For a typical salary of £35,000, take-home in 2025/26 is roughly £27,000–£28,000. HMRC's own service shows the same breakdown for your live PAYE record.
How does pension contribution affect take-home pay?
Pension contributions reduce your take-home by the contribution amount but usually also reduce your taxable income via pension tax relief (relief at source or net pay arrangement, depending on the scheme). Enter a percentage or fixed pension contribution to see the direct impact on 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 computes your gross annual income (rate × hours × 52) and then applies all relevant deductions. Note that National Minimum Wage rates set the floor for legal hourly pay.
Popular salary breakdowns
Sources
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