Gross to Net Calculator

See what you actually take home after income tax and NI — 2025/26 rates.

Result

Income tax-£5,086.00
National Insurance-£2,034.40
Pension-£2,000.00
Annual take-home£30,879.60
Monthly£2,573.30
Weekly£593.84
Effective rate17.8%

Gross to Net Calculator — FAQs

How much is £40,000 after tax?

Roughly £5,486 income tax + £2,194 NI leaves ~£32,320/year or £2,693/month — before pension or student loan.

UK income tax bands 2025/26?

0% to £12,570, 20% to £50,270, 40% to £125,140, 45% above. Allowance tapers above £100,000.

Employee NI rate?

8% between £12,570–£50,270, then 2% above (Class 1 primary).

What is the UK personal allowance?

£12,570 tax-free for 2025/26, tapering £1 for every £2 earned above £100,000 — gone entirely at £125,140.

Monthly take-home on £30,000?

Around £2,037/month after ~£3,486 tax and ~£1,394 NI, before pension or student loan deductions.

Why is my payslip different from this calculator?

Common causes: student loan plan, pension (especially salary sacrifice), benefits in kind, non-1257L tax codes, and bonus months annualising tax.

Does this include pension deductions?

Yes — enter your pension percentage. Salary-sacrifice pensions reduce taxable pay; relief-at-source schemes don't.

What does PAYE stand for?

Pay As You Earn — employers deduct income tax and NI each payday and send it to HMRC, based on your tax code.

What is the 1257L tax code?

The standard code — a £12,570 personal allowance spread evenly across pay periods. BR, D0 or K codes mean different treatment.

When do I need to file self-assessment?

If self-employed, have >£100k income, rental income, or untaxed income — register by 5 October, file by 31 January.

Why is gross-to-net different monthly vs annual?

Monthly figures assume even spread of the personal allowance; bonuses, unpaid leave or mid-year starts shift the monthly maths.

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