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HMRC PAYE & National Insurance Precision Modeler
UK Income Tax & National Insurance (PAYE) Take-Home Pay Calculator
Calculate your exact monthly and annual take-home salary in the United Kingdom. Model the £12,570 Personal Allowance, 20%/40%/45% Income Tax bands, Class 1 National Insurance, the notorious £100k–£125k 60% Effective Tax Trap (Personal Allowance taper), and Student Loan Plan 2/5 deductions.
Load Salary Scenario:
Salary & Deduction Inputs
2026/27
Annual Take-Home Pay
£37,842 / Year
Monthly In-Pocket
£3,153.50 / mo
Income Tax (PAYE)
£6,986
HMRC Net
National Insurance
£2,672
Class 1 Employee
Pension Stashed
£2,500
5% Salary Sacrifice
Student Loan
£0
Plan 2 deduction
Tax Efficiency & 100k Trap Analysis:
Your overall effective tax rate is 19.3%. You keep 75.7% of every pound earned.