Take-home pay calculator (UK & US 2026)
Switch between United Kingdom and United States to see your real take-home pay with full tax, NI/FICA, pension/401(k) and student loan handling.
Your salary before any deductions.
Equivalent to £45,000 / year.
Bands, NI and student loan thresholds update automatically.
At State Pension age (66+) you stop paying employee NI.
| Item | Annual | Monthly |
|---|---|---|
| Gross salary | £45,000 | £3,750 |
| Income Tax | −£6,036 | −£503 |
| National Insurance | −£2,414 | −£201 |
| Pension | −£2,250 | −£188 |
| Total deductions | −£10,700 | −£892 |
| Net take-home pay | £34,300 | £2,858 |
- Income Tax13.4%
- National Insurance5.4%
- Pension5.0%
- Take-home76.2%
Use salary sacrifice schemes
Salary sacrificeCycle-to-work, EV leasing, childcare vouchers and pension salary sacrifice reduce both Income Tax AND National Insurance — often saving 28–42% compared to paying out of net pay.
Review your tax code / withholding annually
An incorrect tax code (e.g. emergency BR or 0T) can mean overpaying for months. Check your latest payslip against HMRC's coding notice.
Charitable giving with tax benefit
Gift Aid lets charities reclaim 25% on your donation, and higher-rate taxpayers can claim back the difference via Self-Assessment.
Accurate estimates for the 2026 tax year • This is not official tax advice. Please consult a tax professional for your situation.
Downloads a full PDF report with all your inputs, results and breakdown.
Try the full Credit Card Payoff Calculator — see every card, every strategy and exactly when you'll be debt-free.
Open the debt calculatorEstimates only. Not financial advice.