£45,000, 5% pension, no student loan
£34,300 a year, or £2,858 a month.
UK take-home pay calculator
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2026/27 rates for England, Wales and Northern Ireland: a £12,570 personal allowance that tapers away above £100,000, income tax at 20%, 40% and 45%, and employee National Insurance at 8% and 2%. Pension is taken as salary sacrifice, before tax and NI. Plan 2 student loan is 9% above £28,470. Scottish income tax bands differ and are not used here.
45 thousand
% of salary
Student loan
Take-home pay a month
£2,858
£34,300 a year, or £660 a week. Income tax is £6,036 and National Insurance £2,414.
- Income tax
- £6,036
- National Insurance
- £2,414
- Personal allowance
- £12,570
- You keep
- 76.2%
Your pay, by period
| Monthly | Weekly | Yearly | |
|---|---|---|---|
| Salary | £3,750.00 | £865.38 | £45,000.00 |
| Pension | £187.50 | £43.27 | £2,250.00 |
| Income tax | £503.00 | £116.08 | £6,036.00 |
| National Insurance | £201.20 | £46.43 | £2,414.40 |
| Student loan | £0.00 | £0.00 | £0.00 |
| Take-home pay | £2,858.30 | £659.61 | £34,299.60 |
How a UK salary turns into monthly pay
Your payslip takes off income tax and National Insurance, and often a pension contribution and student loan repayment as well. The thresholds have been frozen for several years, so a pay rise can pull more of your income into higher bands even when rates do not change.
On £45,000 with a 5% salary-sacrifice pension, £2,250 goes to the pension first, leaving £42,750. After the £12,570 personal allowance, £30,180 is taxed at 20%, which is £6,036. National Insurance is 8% of the same £30,180, or £2,414.40. Take-home pay is £34,299.60 a year, which is £2,858.30 a month.
Higher earners see the 40% band from £50,270. On £60,000 with no pension, income tax is £11,432 and NI is £3,210.60, leaving £45,357.40. Above £100,000 the personal allowance starts to disappear: on £110,000 it falls to £7,570, and tax rises to £33,432. Paying more into a pension is the usual way to bring income back under £100,000.
Student loans add a third deduction. On Plan 2 you repay 9% of pay above £28,470, so on £35,000 that is about £588 a year. If you live in Scotland, income tax uses different bands, so your figure will be a little different; National Insurance and student loans work the same everywhere.
Sources
What this calculator does not account for
- Uses rUK bands; Scottish income tax differs.
- Pension is treated as salary sacrifice.
How this is calculated
Formula: UK take-home pay
take-home =salary − pension − income tax − National Insurance − student loanWhat the symbols mean
- income tax0% on the first £12,570, 20% on the next £37,700, 40% up to £125,140 and 45% above. The allowance falls by £1 for every £2 earned over £100,000.
- National Insurance8% of pay between £12,570 and £50,270, then 2% above.
- pensionTaken by salary sacrifice, before tax and NI.
- student loanPlan 2: 9% of pay above £28,470.
Good to know
- Scotland has its own income tax bands; National Insurance is the same across the UK.
- For German net pay, use the Brutto Netto Rechner.
Read the full methodologyFound an error? Contact us
Worked examples
Each example is worked out by the same code as the calculator above.
£110,000, no pension
Personal allowance cut to £7,570; income tax £33,432 and take-home £72,357.
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<iframe src="/embed/uk-take-home-pay-calculator" title="UK take-home pay" width="100%" height="720" style="border:0;max-width:42rem" loading="lazy"></iframe>Questions
How much is £45,000 after tax in the UK?
With a 5% pension and no student loan, about £34,300 a year, or £2,858 a month, in England, Wales or Northern Ireland.
What is the tax-free personal allowance for 2026/27?
£12,570. It shrinks by £1 for every £2 of income over £100,000 and is gone at £125,140.
How much National Insurance do I pay?
Employees pay 8% on earnings between £12,570 and £50,270 a year and 2% on anything above.
Why is the tax rate so high between £100,000 and £125,140?
Losing the personal allowance adds 20% on top of the 40% rate, so the effective rate on that slice is 60% before NI.
Does salary sacrifice save tax?
Yes. Pension paid by salary sacrifice comes off before income tax and National Insurance, so £100 into your pension costs a basic-rate taxpayer about £72 of take-home pay.