Updated for 2026-27 tax year

UK Take-Home Pay
Calculator

Net salary after income tax, NI, student loan and pension. Scotland and tax code supported.

Your Details

£3,750/mo gross
£
5%
0%30%
Are you based in Scotland?
Scottish taxpayers pay different income tax rates
England / Wales / NI Income Tax Bands 2026-27
Up to 12,5700% Personal Allowance
12,571 to 50,27020% Basic Rate
50,271 to 125,14040% Higher Rate
Over 125,14045% Additional Rate
Thresholds frozen until 2031.
Annual Take-Home Pay
£34,120
£2,843.30 per month
75.8% kept
Gross Pay
£45,000
Net Pay
£34,120
Income Tax
-£6,036
Nat. Insurance
-£2,594
Pension
-£2,250
Take-home
+£34,120
Effective tax rate (income tax + NI)19.2%

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Understanding Your Tax

Plain-English guides. Confirmed 2026-27 HMRC and Scottish Government figures.