This page starts from gross salary and shows the amount that reaches your bank account after Income Tax, National Insurance, pension deductions and student-loan repayments. It is the main page to use when you want to compare job offers or see whether a pay rise really changes your monthly budget.
TAKE-HOME PAY · 2026/27
Take-home pay calculator
Required gross salary
£45,112/year
£3,759 gross per month
- Target annual net
- £36,000
- Income Tax
- £6,508
- National Insurance
- £2,603
Why can the answer differ?
Region changes the Income Tax bands. Pension salary sacrifice reduces both tax and NI pay. Student loan deductions depend on plan and payroll period. A bonus month or irregular pay can also move the result away from a simple annual estimate.
Start with a gross salary and see what reaches your bank account after Income Tax, National Insurance, pension and student-loan deductions. Use this when comparing job offers, checking a payslip or testing whether a pay rise is actually worth it.
This page starts from gross salary and shows the amount that reaches your bank account after Income Tax, National Insurance, pension deductions and student-loan repayments. It is the main page to use when you want to compare job offers or see whether a pay rise really changes your monthly budget.
A salary that looks generous on paper can still produce a much tighter monthly budget once pension deductions and a student-loan plan are added. The take-home page makes that difference visible before you make a decision.
- Pension method, tax code, student-loan plan, bonuses, benefits and payroll period can all change take-home pay.
- Scottish tax bands also produce different results from rest-of-UK rates.
- A bonus month or irregular pay can move the result away from a simple annual estimate.
Take-home pay vs net-to-gross
Take-home pay starts from gross salary and shows what reaches your bank account. Net-to-gross starts from the bank-account target and works back to the gross salary you need. Use both pages together if you are comparing job offers or checking whether a salary negotiation is realistic.
SOURCES & REVIEW
Checked against official guidance
Last reviewed 19 October 2026 · Rule version GB-2026.27.1
Daily/weekly source monitoring. If a source changes, the affected rule set is reviewed before publication.
All source links are kept visible so you can verify the figures used on this page.
Source line: Income Tax, National Insurance and Scottish band logic are reviewed against the current UK rules data used by the build.
GOV.UK: Check your Income Tax ↗GOV.UK: Tax codes ↗Sources, methodology and update policy →Report an issue or correction →WHY RESULTS DIFFER
Why two users can see different results
Why the result can differ
Different tax codes, payroll periods, Scottish bands, pension methods or lender assumptions can change the outcome.
One-off bonuses, pay frequency, overpayments, allowances and reliefs can move the result away from a simple annual estimate.
Where a rule depends on eligibility or legal status, this page shows an estimate and links to official guidance.
This section is intentionally repeated on key tools so the explanation stays near the result instead of being hidden in a separate policy page.
COMMON QUESTIONS
Frequently asked questions
Does this include pension salary sacrifice?
No. Pension deductions and salary sacrifice can change the take-home result.
Is the result the same in Scotland?
No. Scottish bands are different, so the take-home amount can change.
Should I use this or the net-to-gross page first?
If you know your salary, use take-home first. If you know your net target, use net-to-gross first.
Does a student loan reduce take-home pay?
Yes. The repayment is taken through payroll once your income is above the relevant threshold for your plan.
Do bonuses and overtime change the result?
Yes. Irregular pay can move you into a different tax or student-loan outcome for that period.
Why does my payslip look different from the annual estimate?
PAYE works by period, so monthly and weekly deductions can differ from a simple annual split.