See your take-home pay for 2026/27 after Income Tax, National Insurance, pension contributions and student loan. Uses the current rUK bands (England, Wales and Northern Ireland), verified against gov.uk.
Your salary
£
%
Take-home pay (monthly)
£2,993
£35,920/yr · £2,763 per 4 weeks · £691/wk
Breakdown
Yearly
Monthly
4-weekly
Weekly
Gross salary
£45,000
£3,750
£3,462
£865
Income Tax
− £6,486
− £541
− £499
− £125
National Insurance
− £2,594
− £216
− £200
− £50
Take-home pay
£35,920
£2,993
£2,763
£691
4-weekly assumes 13 pay periods a year (some employers pay every 4 weeks rather than monthly). Weekly and 4-weekly are the annual figure split evenly — your actual payslip can vary slightly with rounding and the month.
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What is deducted from your salary
Your gross salary is reduced by Income Tax and National Insurance, and often by a pension contribution and student loan repayment. The first 12,570 (your personal allowance) is tax-free; income above that is taxed at 20%, then 40% above 50,270, then 45% above 125,140. Employee National Insurance is 8% between 12,570 and 50,270, and 2% above.
Personal allowance: 12,570 (tapers away above 100,000).
Income Tax: 20% / 40% / 45% bands.
Employee NI: 8% then 2%.
Pension here is modelled as salary sacrifice, reducing taxable and NI-able pay.
Worked example
45,000 salary, no pension, no student loan.
Income Tax about 6,486; National Insurance about 2,594.
Take-home about 35,920 a year, about 2,993 a month.
Scotland sets its own income tax bands, so figures there differ; this calculator uses the rest-of-UK bands. Note: from April 2027 savings and property income gain their own higher rates, but employment income bands are unchanged.
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Frequently asked questions
Does this use Scottish tax rates?
No. Scotland has separate income tax bands and rates. This calculator uses the England, Wales and Northern Ireland bands for 2026/27.
How is the pension treated?
As salary sacrifice - the contribution comes off before tax and National Insurance, which is the most tax-efficient method and common in workplace schemes. Relief-at-source schemes work slightly differently.
Report a bug or ask a question about this calculator
Important: BrickCrunch provides general information and estimates only — this is not financial, tax, mortgage or legal advice. Calculations are simplified and your circumstances may differ. UK tax and rate figures are checked against gov.uk (21 June 2026 (2026/27 tax year)) but rates change and errors are possible. Always confirm figures with gov.uk or a qualified professional before making decisions.
