UK Salary Calculator
Convert gross salary to net take-home after Income Tax, National Insurance, pension, and student loan.
Income Details
Take-Home Pay (2026-27)
Monthly Take-Home
£3,405
Annual Take-Home
£40,862
Income Tax
£8,332
National Insurance
£3,056
Student Loan
£0
Pension
£2,750
Effective Rate
20.70%
What comes off your gross salary?
- Income Tax at 20/40/45% after £12,570 personal allowance
- National Insurance at 8% or 2% above thresholds
- Pension (salary sacrifice is most efficient — saves both tax and NI)
- Student loan repayments if applicable
- Workplace benefits (childcare vouchers, cycle-to-work, etc.)
Increase your take-home
Salary sacrifice into pension is the most efficient tax play — you avoid both Income Tax AND NI on the sacrificed amount. A £1,000 sacrifice saves ~£320 (basic rate) or ~£420 (higher rate) vs a £1,000 post-tax contribution.
Frequently Asked Questions
Everything you need to know, in one place.
What deductions come off UK salary?
1) Income Tax at 20/40/45%. 2) National Insurance at 8% or 2%. 3) Pension (often salary sacrifice). 4) Student loan if applicable (9% above threshold for Plan 2). 5) Any other benefits.
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