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Estimate your take-home pay in United Kingdom for 2026. Includes income tax brackets, standard deduction, and social contributions. Data source: GOV.UK Income Tax and National Insurance rates and allowances.
Net Income (Annual)
£54,057.4
Effective Tax Rate
27.92%
Marginal: 40.00%
Federal / National Tax
£17,432
| Deduction | Annual | Monthly |
|---|---|---|
| Federal / National Tax | £17,432 | £1,452.67 |
| National Insurance (main) | £3,016 | £251.33 |
| National Insurance (additional) | £494.6 | £41.22 |
| Total Deductions | £20,942.6 | £1,745.22 |
| Net Income | £54,057.4 | £4,504.78 |
Annual
£54,057.4
Monthly
£4,504.78
Biweekly
£2,079.13
Weekly
£1,039.57
United Kingdom uses a progressive federal (or national) income tax: taxable income is gross salary minus the standard deduction (£12,570 single, £25,140 married in 2026). Each portion of income in a bracket is taxed at that bracket’s rate. On top of that, employees pay social contributions (National Insurance (main), National Insurance (additional)); these are often capped or subject to thresholds.
The UK uses a single set of income tax bands for England, Wales and Northern Ireland (Scotland differs). National Insurance has two tiers—main and additional—with thresholds and an upper earnings limit.
A £45,000 gross annual salary in United Kingdom (single filer) gives approximately £35,919.6 take-home after about £9,080.4 in tax and contributions (effective rate 20.18%). Use the calculator above for your own figures.
Rates and brackets are from GOV.UK Income Tax and National Insurance rates and allowances for 2026. This tool is for estimation only and does not constitute tax advice; consult an advisor or https://www.gov.uk/government/publications/rates-and-allowances-income-tax/income-tax-rates-and-allowances-current-and-past for your situation.
On a £45,000 gross annual salary (single filer), take-home pay in United Kingdom is approximately £35,919.6 per year after income tax and social contributions. Total deductions are about £9,080.4 (effective tax rate 20.18%). Estimate for 2026; use the calculator for your situation.
In United Kingdom, the standard deduction for 2026 is £12,570 for single filers and £25,140 for married couples filing jointly. This amount is subtracted from your gross income before applying income tax brackets.
In United Kingdom, social contributions include National Insurance (main), National Insurance (additional). They are calculated on gross salary (or on earnings up to an annual cap where applicable) at the rates set for 2026. Employer and employee portions may both apply; this calculator shows the employee share.
Take-home pay in United Kingdom depends on your gross salary, filing status, and applicable deductions. Use our calculator for your income and situation. Data is for 2026 and includes income tax brackets and social contributions where applicable.
United Kingdom uses progressive income tax brackets for 2026. Each portion of your taxable income (after the standard deduction) is taxed at the rate for its band. Use the calculator above to see your marginal and effective rates for your salary.
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