Take-home pay calculator

An instant estimate of your income tax, National Insurance and net pay for the 2026/27 tax year, whether you take a salary or work for yourself.

Your annual salary

Estimate for the 2026/27 tax year for someone in England, Wales or Northern Ireland, based on a single source of income and the standard personal allowance. It does not account for student loans, pension contributions, dividends, benefits in kind or a non-standard tax code. Scottish income tax rates are different. This is a guide, not advice. For a figure that reflects your actual circumstances, speak to us.

Estimated take-home

£35,920 a year

Gross£45,000

Income tax£6,486

National Insurance (Class 1)£2,594

Effective deduction rate20.2%

Monthly take-home£2,993

Get a figure based on your actual situation

Beyond the calculator

There is usually more you could be keeping

This gives you a quick picture for a single, straightforward income. The moment you add a limited company, dividends, a second income stream, pension contributions or a partner's position into the mix, the efficient answer stops being the obvious one. That is the part worth having a conversation about, and the first one is free.

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