UK Net Salary Calculator

Estimate UK take-home pay with PAYE income tax and employee National Insurance assumptions.

UK Net Salary Calculator

Estimates UK take-home pay with PAYE income tax and employee National Insurance.

Informational estimate only. It does not replace official payroll output.

Marriage allowance transfer, devolved tax variants, and bespoke employer payroll schemes are out of scope in v2.

Tax year: 2026
Profile: single, 0 dep., standard
Calculation currency: GBP
Estimated net monthly
£3,489.78
Estimated net annual
£41,877.40
Effective deduction rate
22.5%
Income tax
£9,032.00
Employee social contributions
£3,090.60
Other mandatory deductions
£0.00
Reference monthly housing burden
£801.66
Housing pressure index
29.1%
Confidence
HIGH
Source version
official payroll-table estimate
Assumptions
  • UK PAYE income tax bands are modeled for tax year 2026 baseline.
  • Class 1 employee National Insurance is included.
  • No devolved tax variants, pension salary sacrifice, or bespoke employer schemes are applied.
  • Personal allowance modeled as 12570 GBP annual based on income taper rules.
Confidence reasons
  • fully_mapped_profile
Warnings
  • none
Source version
GOV.UK PAYE rates 2026 + HMRC NI thresholds 2026
ONS housing affordability indicators are used as an official reference layer.

What does the tool do?

It estimates UK net salary with an official-first PAYE and employee NI model.

What is out of scope?

Marriage allowance transfer, devolved tax variants, and bespoke employer payroll schemes remain out of scope in v2.