What's my take-home pay?
Enter your gross salary and instantly see what's left after tax – income tax and National Insurance in the UK, or income tax, USC and PRSI in Ireland. No account, no cloud – it all runs on your device.
Take-home pay calculator 2026
Take your net pay straight into Kontoo and build a budget around it — rent, bills, savings goals and net worth, all on your device, no account.
Guide
From gross to net
United Kingdom
In the UK your employer deducts income tax and National Insurance before you're paid. The first £12,570 is tax-free (the Personal Allowance), then you pay 20 % up to £50,270, 40 % above that, and 45 % over £125,140. Above £100,000 the allowance tapers away, which creates an effective 60 % band. National Insurance is a single contribution: 8 % on earnings between £12,570 and £50,270, then 2 % with no upper cap. This calculator uses the 2026/27 rates for England, Wales and Northern Ireland; Scotland sets its own income tax bands.
Ireland
In Ireland income tax has just two rates: 20 % up to €44,000 and 40 % above, but tax credits (a personal credit plus the PAYE credit, €4,000 in total for a single employee) are then subtracted from the bill. On top of income tax you pay the Universal Social Charge, a banded levy from 0.5 % to 8 %, and PRSI at roughly 4.2 %. The calculator combines all three for a single PAYE worker. It doesn't model additional tax credits, pensions or the many family reliefs, so treat it as a starting point.
A rough estimate, on purpose
This tool gives you a clear, quick picture, not a payslip to the penny. It assumes a single person on a steady salary with no pension contributions, student loan or extra allowances, and an even income across the year. Your real payslip can differ once those are added. Use it to compare offers, sanity-check a raise or plan a budget — then confirm the exact figure with your employer or the official calculator. It's education, not tax advice.
FAQ
Take-home pay, tax & National Insurance
How much is my take-home pay?
Your take-home pay is your gross salary minus income tax and National Insurance (in the UK) or income tax, USC and PRSI (in Ireland). On a £50,000 salary in England for 2026/27, take-home is roughly £3,293 a month. Enter your gross salary above and pick your country.
What is deducted from my salary in the UK?
In the UK you pay income tax (20 % basic, 40 % higher, 45 % additional rate) on income above your Personal Allowance of £12,570, and National Insurance (8 % between £12,570 and £50,270, then 2 %). The calculator uses the 2026/27 England, Wales and Northern Ireland rates.
What are USC and PRSI in Ireland?
In Ireland, on top of income tax (20 % up to €44,000 then 40 %, minus tax credits) you pay the Universal Social Charge (USC) and Pay Related Social Insurance (PRSI). This calculator includes both for a single PAYE employee in 2026.
Is my data stored or sent anywhere?
No. The take-home pay calculator runs entirely on your device – no account, no cloud, and it never sends or stores your input. It is a rough estimate for 2026, not tax advice.
Your financial data stays with you.
Kontoo collects, sees and stores none of your personal financial data – no account, no cloud, everything runs on your device. The free version is funded by ads (Google AdSense, only with your consent); an ad- and tracking-free premium option is planned but not available yet.