UK Income Tax and NI Calculator

A practical UK take-home pay view for salary offers and tax-year planning.

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Results to check first

Estimate UK take-home pay after Income Tax, National Insurance, pension, and student loan.

2026 estimate

Monthly take-home

£2,843.30

Tax, social insurance, pension, loan, and benefit rules change often. Use this as a planning estimate, not as an official filing or contract result.

Monthly take-home

£2,843.30

Income tax

£6,036.00

National insurance

£2,594.40

Student loan

£0.00

Effective rate

24.2%

Inputs

Inputs are calculated in your browser and are not saved on the server.

Annual gross income

Pension contribution

Student loan balance

Other monthly deductions

Quick examples

How to use it

1Check current official tax, social insurance, or benefit guidance before acting.
2Results can change by tax year, region, household, and contract.
3Match editable rates to your payslip or official notice for a better estimate.

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Important note

Tax, social insurance, pension, loan, and benefit rules change often. Use this as a planning estimate, not as an official filing or contract result.

What to verify

Check current official tax, social insurance, or benefit guidance before acting.
Results can change by tax year, region, household, and contract.
Match editable rates to your payslip or official notice for a better estimate.

What this tool calculates

Estimate UK take-home pay after Income Tax, National Insurance, pension, and student loan.

Usage notes

Use one tax year and one currency basis for all inputs.
Editable tax, deduction, and contribution rates are applied first.
Results are split into monthly and annual planning metrics.

Frequently asked questions

What can I check with UK Income Tax and NI Calculator?expand_more

Estimate UK take-home pay after Income Tax, National Insurance, pension, and student loan.

Is this an official result?expand_more

No. It is a planning estimate. Confirm tax, payroll, loan, and benefit decisions with official sources or a qualified professional.

Why are rates editable?expand_more

Local rules can vary by year, household, region, and contract. Editable rates make the calculator useful even when rules change.

Financial planning notice

This tool provides reference estimates only. Do not use it as the sole basis for lending, repayment, investment, tax, or contract decisions. Confirm the result with your lender, official documents, or a qualified professional before acting.

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