Salary After Tax Calculator
See your take-home salary after Income Tax and National Insurance, plus your effective tax rate — how much of your gross salary you actually keep.
Your results
Effective tax rate: 16.4% — Income Tax and National Insurance combined, as a share of your gross salary.
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Estimates only, based on standard tax codes and the 2026/27 thresholds. Not financial advice.
Gross vs net salary
Your gross salary is the headline figure in your contract. Your salary after tax — also called net pay or take-home pay — is what's left once Income Tax, National Insurance and any student loan repayments have been deducted. The gap between the two is your total deduction rate, shown above as your effective tax rate.
Frequently asked questions
What is salary after tax?
Salary after tax is your net pay — your gross salary minus Income Tax, National Insurance and any student loan repayments. It's the amount that actually reaches your bank account.
What is an effective tax rate?
Your effective tax rate is your total Income Tax and National Insurance divided by your gross salary, expressed as a percentage. It's usually lower than your top ("marginal") tax band because your Personal Allowance and lower bands are taxed at 0% or a lower rate first.
Why is my effective tax rate lower than my top tax band?
UK Income Tax is progressive: only the portion of your income within each band is taxed at that band's rate. So even if part of your salary falls into the higher-rate band, the rest is still taxed at 0% (Personal Allowance) and the basic rate, pulling your overall effective rate down.