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Free Tool

Take-Home Pay Calculator

Calculate your exact take-home pay after Income Tax, National Insurance, and pension contributions. Updated for the 2026/26 UK tax year.

How are you paid? Select your income type:

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Your Income

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Pension & Student Loan

2026/26 Tax Rates Used: Personal Allowance £12,570 · Basic Rate 20% (£12,571–£50,270) · Higher Rate 40% (£50,271–£125,140) · Additional Rate 45% above £125,140. NI: 8% on earnings £12,570–£50,270, 2% above. Self-employed Class 4 NI: 6% on profits £12,570–£50,270, 2% above.

Your Take-Home Pay

Gross income£40,000
Income Tax-£5,486
National Insurance-£2,219
Effective tax rate19.3%
£32,295 Annual take-home pay
Monthly£2,691
Weekly£621

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