What you actually take home.
Enter your salary and instantly see net pay after Income Tax, National Insurance, student loan, pension and salary sacrifice — verified against HMRC's 2026/27 published rates.
Take-home pay · annual
£37,720
Monthly
£3,143
per month
Weekly
£725
per week
How we got there
- Gross salary
- £50,000
- Less: pension (5%)
- –£2,500
- Taxable pay
- £47,500
- Personal allowance
- £12,570
- Income tax (Basic rate (20%))
- –£6,986
- National Insurance
- –£2,794
- Take-home
- £37,720
Marginal rate
28.0%
On your next £1 earned
Effective rate
24.6%
Total deductions as % of gross
Band-by-band tax breakdown▾
| Band | Taxed on | Tax |
|---|---|---|
| Basic rate (20%) | £34,930 | £6,986 |
| NI Main rate (8%) | £34,930 | £2,794 |
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Income Tax (rUK)
Personal Allowance £12,570 (tapers £1-for-£2 above £100k). Basic rate 20% up to £50,270, higher rate 40% up to £125,140, additional rate 45% above.
Income Tax (Scotland)
Starter 19% · Basic 20% · Intermediate 21% · Higher 42% · Advanced 45% · Top 48%. Different thresholds — toggle the Scotland box.
National Insurance
8% on earnings between £12,570 and £50,270 (the Primary Threshold and Upper Earnings Limit). 2% on earnings above the UEL.
Student loans
9% above plan-specific threshold (Plan 1 £26,065 · Plan 2 £28,470 · Plan 4 £32,745 · Plan 5 £25,000) · Postgraduate Loan 6% above £21,000.
Pension
Net-pay arrangement — your contribution reduces taxable pay AND NI base (when sacrificed) or just taxable pay (relief at source). We assume net-pay.
Salary sacrifice
Pre-tax + pre-NI deduction for benefits like cycle-to-work, EV lease or additional pension. Reduces both your tax AND NI base.
For guidance only. This calculator does not account for benefits in kind, taxable expenses, K-codes, marriage allowance transfer, blind person's allowance, child benefit High-Income Charge or pension annual-allowance taper. For complex situations, check with HMRC or a chartered accountant.