UK Tax Calculator · 2025/26 + 2026/27
How much do you
actually take home?
PAYE income tax, Class 1 NI, and student loan repayments — calculated entirely in your browser. No data leaves the tab.
In this section
Your inputs
Your take-home
Annual
£34,299.60
Monthly: £2,858.30
Marginal rate at this salary: 28.0%
Breakdown
- Gross salary
- £45,000
- Less: pension (salary sacrifice)
- − £2,250
- Taxable gross
- £42,750
- Personal allowance
- − £12,570
- Taxable income
- £30,180
- Income tax — basic 20%
- − £6,036.00
- Total income tax
- − £6,036.00
- NI Class 1 — main 8%
- − £2,414.40
- Total NI
- − £2,414.40
- Total deductions
- − £10,700.40
- Take-home
- £34,299.60
v1 scope: England, Wales, and Northern Ireland income tax bands. Scottish-rate income tax (6 bands) not yet supported. Dividends, self-employed Class 2/4 NI, and Marriage Allowance also not yet covered. All figures rounded.
How the numbers work
Three deductions, layered.
Income tax is charged on taxable income — your gross salary, minus your pension contribution, minus your personal allowance. The personal allowance is £12,570 unless you earn over £100,000 (then it tapers by £1 for every £2 above), reaching zero at £125,140. Basic rate is 20% on the first £37,700 of taxable income, higher rate is 40% on the next slice, additional rate is 45% on anything above £125,140. These thresholds are frozen until April 2028 per HMRC — both 2025/26 and 2026/27 use the same numbers.
Class 1 National Insurance is charged on your gross salary (after salary-sacrifice pension). 8% between £12,570 and £50,270, then 2% above. The Primary Threshold and Upper Earnings Limit are aligned to the income tax personal allowance and basic-rate band respectively.
Student loan repayments are charged on your gross salary, at 9% above your plan's threshold (or 6% for Postgraduate Loan). Plan 5 — for courses starting on or after 1 August 2023 — has a £25,000 threshold. Plan 4 is for Scottish residents.
The marginal rate shown above is the % of every extra pound you earn that disappears to tax + NI + student loan — useful for deciding whether a bonus or salary bump is worth it. If you're in the £100,000-£125,140 band, the effective income-tax marginal rate is 60% (40% tax + 20% personal-allowance withdrawal).
FAQ