2026/27 · Budget 2026
UK salary calculator
See what your salary is worth after Income Tax, National Insurance, pension contributions and student loan repayments. Headline earnings tax rates were unchanged at Autumn Budget 2026 — thresholds stay frozen.
£
£45,000
5%
Take-home per month
£2,858.30
Gross per month
£3,750.00
Effective deduction rate
23.8%
Share of gross not received as take-home (tax, NI, pension, loan).
After Budget 2026
Personal Allowance stays at £12,570and the higher-rate threshold at £50,270. Pay rises can still pull you into higher bands — that is fiscal drag, not a rate rise. Check if you are better off overall →
Deductions per month
| Item | Amount |
|---|---|
| Income tax | £503.00 |
| National Insurance | £201.20 |
| Pension | £187.50 |
| Student loan | £0.00 |
| Take-home pay | £2,858.30 |
Breakdown of tax, NI, pension, student loan and net pay.
Based on 2026/27 rules. Last checked 2026-10-29. Educational illustration only — not a payslip. Also try the classic take-home pay tool or the Budget 2026 better-off calculator.