Earning UK Calculator
UK, 2026/27 tax year · figures follow that year's rules
UK Income Tax and Take-Home Pay Calculator works out Annual take-home pay and Monthly take-home pay from What this calculator answers, Gross annual income and How the income is earned. The default figures on this page give annual take-home pay of 35,919.6; change any entry and the result, the working and the sources update together.
Your figures
Updates as you typeHow this is worked out
5 steps
- Personal Allowance of 12570 applies in full.
- Taxable income = 45000 - 12570 = 32430
- Basic rate at 20% on 32430 = 6486
- National Insurance = 2594.4
- Take-home pay = 35919.6 a year, 2993.3 a month.
Tax by bandtable
| band | rate | amountTaxed | tax |
|---|---|---|---|
| Basic rate | 20% | 32,430 | 6,486 |
Figures from UK income tax, National Insurance and SDLT tables (HMRC), 2026 rules, checked 5 September 2026. Its 15 worked examples are re-run on every release, last on 15 September 2026. What changed · how reference data is kept current
Sources and references
11 sources
Keep this result
Save it, change one figure, then compare the two
The calculation stays free. Save this scenario, adjust one assumption, save that too, and put them side by side to see exactly what the change costs you. A free account keeps 5 scenarios and 2 comparisons; Personal makes both unlimited and adds exports and private links. Nothing is saved unless you press Save.
What the UK Income Tax and Take-Home Pay Calculator calculates
Computes UK income tax, National Insurance and net take-home pay for England, Wales, Northern Ireland or Scotland, including the Personal Allowance taper above £100,000.
How to use this UK Income Tax and Take-Home Pay Calculator
Enter What this calculator answers, Gross annual income, How the income is earned and Pay voluntary Class 2 National Insurance. Annual take-home pay updates as you type, and “Use a worked example” loads checked figures you can adjust. Change one figure at a time to see what drives the result.
How the result is worked out
Open “How this is worked out” beside the result for the step-by-step calculation behind Annual take-home pay, Monthly take-home pay and Weekly take-home pay.
The method follows GOV.UK, Income Tax rates and Personal Allowances, HMRC, Rates and thresholds for employers 2026 to 2027 (Personal Allowance, tax bands, Class 1 NI, Employment Allowance, student loan thresholds), HMRC, Rates and thresholds for employers 2025 to 2026, GOV.UK, Income over £100,000 (Personal Allowance taper) and GOV.UK, Income Tax in Scotland (current-year Scottish bands).
2025/26: £45,000 in England example
With Gross annual income: 45000, Tax year: 2025-26, Where you live: englandWalesNorthernIreland, the calculator returns Personal Allowance: 12570, Taxable income: 32430, Income tax: 6486. This example is checked against an independent source in the test suite.
What you can compare
Change one input at a time to see how it affects Annual take-home pay, Monthly take-home pay and Weekly take-home pay. The inputs you can vary are What this calculator answers, Gross annual income, How the income is earned, Pay voluntary Class 2 National Insurance, Tax already deducted at source and Tax year.
Understanding Annual take-home pay, Monthly take-home pay and Weekly take-home pay
An estimate based on published HMRC rates. It does not model every allowance, benefit in kind, tax code adjustment or relief. Check your tax code and payslip, or speak to HMRC or an accountant.
Results are general information, not financial, tax, legal, medical or engineering advice. Check any decision that matters with a qualified professional.
See something wrong? Report a problem with this calculator
Frequently asked questions
What is the top 1% earn in the UK?
On the figures this page opens with — gross annual income 45,000 GBP — the annual take-home pay is 35,919.6. No single number fits everyone: change any figure above and the answer updates as you type, with each step of the arithmetic beside it.
Is it better to earn 50k or 55k in the UK?
Computes UK income tax, National Insurance and net take-home pay for England, Wales, Northern Ireland or Scotland, including the Personal Allowance taper above £100,000. On the figures this page opens with — gross annual income 45,000 GBP — the annual take-home pay is 35,919.6. Put your own figures in their place and the working updates beside the result.
What salary is $4000 a month after tax in the UK?
Computes UK income tax, National Insurance and net take-home pay for England, Wales, Northern Ireland or Scotland, including the Personal Allowance taper above £100,000. On this page it is computed from What this calculator answers, Gross annual income and How the income is earned and shown as Annual take-home pay, Monthly take-home pay and Weekly take-home pay.
What information do I need for the UK Income Tax and Take-Home Pay Calculator?
You need What this calculator answers, Gross annual income, How the income is earned, Pay voluntary Class 2 National Insurance, Tax already deducted at source, Tax year, Where you live and Pension contribution. The page opens with default figures that give annual take-home pay of 35,919.6, so you can see the scale before entering your own.
What does this UK Income Tax and Take-Home Pay Calculator show?
It shows Annual take-home pay, Monthly take-home pay, Weekly take-home pay, Income tax, National Insurance, Class 4 National Insurance, Class 2 National Insurance (voluntary) and Self Assessment balancing payment due 31 January, with the working and any warnings for your entries.
Can I check how the UK Income Tax and Take-Home Pay Calculator result was calculated?
Yes. The “How this is worked out” section shows the calculation steps, and the sources section identifies the references used for the method.