UK Take-Home Pay Calculator
What you actually keep from a UK salary in 2025–26, after income tax and National Insurance. On the median full-time salary of £39,039, take-home pay is roughly £31,628 a year — about £608 a week — after £5,294 income tax and £2,118 National Insurance.
Take-home pay by salary in UK (2025–26)
Every figure below is produced by the same engine as our take-home pay calculator, using 2025–26 HMRC rates and thresholds. Select a salary for the full breakdown.
| Salary | Income tax | National Insurance | Take-home | Effective rate |
|---|---|---|---|---|
| £30,000 | £3,486 | £1,394 | £25,120 | 16.3% |
| £40,000 | £5,486 | £2,194 | £32,320 | 19.2% |
| £50,000 | £7,486 | £2,994 | £39,520 | 21.0% |
| £60,000 | £11,432 | £3,211 | £45,357 | 24.4% |
| £70,000 | £15,432 | £3,411 | £51,157 | 26.9% |
| £80,000 | £19,432 | £3,611 | £56,957 | 28.8% |
| £90,000 | £23,432 | £3,811 | £62,757 | 30.3% |
| £100,000 | £27,432 | £4,011 | £68,557 | 31.4% |
| £120,000 | £37,432 | £4,411 | £78,157 | 34.9% |
| £150,000 | £51,189 | £5,011 | £93,800 | 37.5% |
| £200,000 | £73,689 | £6,011 | £120,300 | 39.8% |
Assumes an England, Wales or Northern Ireland taxpayer on the standard Personal Allowance with no student loan. Scotland has its own bands — select Scotland in the calculator.
UK income tax rates 2025–26
| Taxable income | Rate |
|---|---|
| £0 – £12,570 | 0% (Personal Allowance) |
| £12,571 – £50,270 | 20% |
| £50,271 – £125,140 | 40% |
| £125,141 and over | 45% |
National Insurance adds 8% on earnings between £12,570 and £50,270 and 2% above that. Watch the £100,000 trap: the Personal Allowance is withdrawn by £1 for every £2 earned above £100,000, creating an effective marginal rate of about 60% between £100,000 and £125,140 before the allowance disappears entirely.
Average vs median salary in the UK
Median gross annual earnings for full-time employees were £39,039 in April 2025, up 4.3% on the £37,439 recorded in April 2024. In weekly terms that is £766.60, a 5.3% nominal rise and about 1.1% in real terms. Mean average earnings sit above the median because high earners pull the average up, so the median is the better guide to what a typical full-time employee actually earns. Source: Office for National Statistics, Annual Survey of Hours and Earnings 2025 (provisional).
Frequently asked questions
What is the average take-home pay in the UK?
Median gross annual earnings for full-time employees were £39,039 in April 2025 (ONS ASHE). On that salary you take home about £31,628 a year, roughly £608 a week, after £5,294 income tax and £2,118 National Insurance.
How much tax do I pay on £100,000 in the UK?
On £100,000 the income tax is about £27,432 and National Insurance £4,011, so £31,443 in total, an effective rate of 31.4%. Take-home is roughly £68,557 a year. Earn above £100,000 and the Personal Allowance starts being withdrawn, pushing the effective marginal rate to about 60% up to £125,140.
What are the UK tax bands for 2025-26?
The Personal Allowance is £12,570 and is taxed at 0%. The basic rate of 20% applies from £12,571 to £50,270, the higher rate of 40% from £50,271 to £125,140, and the additional rate of 45% above £125,140. Scotland uses different bands.
Is National Insurance included in take-home pay?
Yes. Employee National Insurance of 8% between £12,570 and £50,270, and 2% above that, is deducted in every figure on this page. Employer National Insurance is paid separately by your employer and does not reduce your take-home pay.
Why is my take-home lower than this calculator shows?
The most common reasons are a student loan repayment, workplace pension contributions, a non-standard tax code, or salary sacrifice arrangements. This page assumes the standard Personal Allowance and no student loan; turn those options on in the calculator.
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