🇬🇧 HMRC Income Tax & NI Modeler
UK Take-Home Pay & Salary Tax Calculator
Calculate your net annual, monthly, and weekly take-home wage across UK Income Tax bands (20%, 40%, 45%), Class 1 National Insurance, and pension contributions.
Gross Salary & Deductions
£
£30k (Median)
£45k (Mid-level)
£65k (Higher Rate)
£105k (Allowance Taper)
Net Take-Home Pay (Monthly)
£2,789.25
| Category | Annual (£) | Monthly (£) | Weekly (£) |
|---|---|---|---|
| Gross Salary | £45,000.00 | £3,750.00 | £865.38 |
| Income Tax | -£6,486.00 | -£540.50 | -£124.73 |
| National Insurance (8%) | -£2,594.40 | -£216.20 | -£49.89 |
| Pension & Student Loan | -£2,250.00 | -£187.50 | -£43.27 |
| Net Take-Home Pay | £33,469.60 | £2,789.13 | £643.65 |
💡 Effective Tax Rate:
Your effective total deduction rate is 25.6% (£11,330 total deductions).
HMRC Income Tax & National Insurance Bands
The UK tax system applies marginal tax bands to personal earnings:
- Personal Allowance (£0 - £12,570): 0% tax-free personal allowance.
- Basic Rate (£12,571 - £50,270): 20% Income Tax + 8% Class 1 National Insurance.
- Higher Rate (£50,271 - £125,140): 40% Income Tax + 2% Class 1 National Insurance.
- Additional Rate (£125,140+): 45% Income Tax + 2% National Insurance.