UK Take-Home Pay Calculator
Shortcut ⌘↵Income tax (English & Scottish bands), employee NI, student loans, and pension relief.
100% client-side · no data leaves this device
Pension basis
Student loan plans
Net annual
38,420.40
Net monthly
3,201.70
Net weekly
738.85
Gross salary
55,000.00
Personal allowance
12,570.00
Taxable income
39,680.00
Income tax
8,332.00
Employee NI
3,110.60
Student loan
2,387.00
Pension deducted
2,750.00
Effective rate
25.1%
Marginal rate
51.0%
Employer NI
7,500.00
Cost to employer
62,500.00
Total deductions
13,829.60
| Band | Rate | Income in band | Tax |
|---|---|---|---|
| Basic rate | 20% | 37,700.00 | 7,540.00 |
| Higher rate | 40% | 1,980.00 | 792.00 |
| NI — Primary threshold to UEL | 8% | 37,700.00 | 3,016.00 |
| NI — Above upper earnings limit | 2% | 4,730.00 | 94.60 |
| Student loan — Plan 2 | 9% | 26,530.00 | 2,387.00 |
Indicative 2025/26 rates and thresholds. Assumes standard tax code, no benefits in kind, and category A NI. Indicative figures for planning only — confirm against HMRC rates before filing.