🇬🇧 United Kingdom Net Salary Calculator 2025/26
Enter any gross salary to see your take-home pay in United Kingdom — net per year, month, week, day and hour. Figures are computed exactly from 2025/26 PAYE bands and employee National Insurance.
Calculate your United Kingdom take-home pay
£32,320 net / year · £2,693 / month
| Gross | £40,000 | 100% |
| Income tax (PAYE) | −£5,486 | 14% |
| National Insurance | −£2,194 | 5% |
| Net take-home | £32,320 | 81% |
Computed exactly from 2025/26 PAYE bands (personal allowance £12,570, 20/40/45%), employee National Insurance (8% then 2%) and the £100,000 personal-allowance taper. Scottish rates, student loan repayments and salary-sacrifice pensions are not modelled. Full rates for United Kingdom →
Period figures assume £1/12 per month and a standard 40-hour, 5-day, 52-week year. Adjust hours & weeks →
Take-home by salary
Reference table for common gross salaries in United Kingdom, in GBP.
| Gross / year | Net / year | Net / month | Kept |
|---|---|---|---|
| £20,000 | £17,920 | £1,493 | 90% |
| £35,000 | £28,720 | £2,393 | 82% |
| £50,000 | £39,520 | £3,293 | 79% |
| £75,000 | £54,057 | £4,505 | 72% |
| £100,000 | £68,557 | £5,713 | 69% |
| £150,000 | £96,314 | £8,026 | 64% |
What £40,000 a year looks like
Worked example on a £40,000 gross salary in United Kingdom.
| Period | Gross | Net take-home |
|---|---|---|
| Year | £40,000 | £32,320 |
| Month | £3,333 | £2,693 |
| Week | £769 | £622 |
| Day | £154 | £124 |
| Hour | £19 | £16 |
At this salary the total deduction is 19.2% of gross — 5,486 of tax plus 2,194 of social contributions. Marginal income-tax rate: 20.00%.
Income tax in United Kingdom
PAYE 2025/26: personal allowance £12,570; 20% to £50,270; 40% to £125,140; 45% above. Employee NI 8% (£12,570–£50,270) then 2%. Scottish rates differ.
| Band (up to, GBP) | Marginal rate |
|---|---|
| 50,270 | 20% |
| 125,140 | 40% |
| above | 45% |
Tax-free allowance: £12,570. Standard VAT: 20%.
Frequently asked questions
How much tax do you pay on a salary in United Kingdom?
There is no tax on the first £12,570. United Kingdom applies marginal income-tax rates from 20% up to 45%. On top of income tax, employee social contributions are deducted — see the income-tax section on this page.
What is the VAT rate in United Kingdom?
The standard VAT rate in United Kingdom is 20%, with a reduced rate of 5% for certain goods and services. Use the EU VAT calculator to add or remove VAT at United Kingdom rates.
How accurate is this United Kingdom net salary calculator?
Computed exactly from 2025/26 PAYE bands (personal allowance £12,570, 20/40/45%), employee National Insurance (8% then 2%) and the £100,000 personal-allowance taper. Scottish rates, student loan repayments and salary-sacrifice pensions are not modelled.
How do I work out my monthly take-home pay in United Kingdom?
Enter your gross annual salary in the calculator on this page. It divides the annual figures by 12 for the month and also shows weekly, daily and hourly take-home using a standard 40-hour, 5-day, 52-week year. You can change those assumptions in the salary converter.
Related
- United Kingdom VAT & income tax summary
- Salary converter — hourly, daily, weekly, monthly and annual
- Compare take-home pay between two countries
- European net salary estimator
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