Take-home pay in the United Kingdom
Net in your account
£3,780a month
£45,357 a year
from £60,000 gross
What happens to your £60,000?
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Full calculation and sources
- Gross salary£60,000
Tax & contributions− £14,643
- After tax & contributions£45,357
Mandatory pension− £0
- Net in your account£45,357
The answer rests on
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What this calculator measures
The figure is what reaches your account after Income Tax and class 1 National Insurance on the annual gross you enter, for the tax year running from 6 April to 5 April. It handles the Personal Allowance being withdrawn at high incomes, the Scottish rates if you live in Scotland, the student and postgraduate loan plans you select, and automatic enrolment into a workplace pension. It assumes one job, no other income and the ordinary National Insurance category.
What you receive now, and what accrues
National Insurance builds your entitlement to the State Pension, but it does not create a pot that belongs to you, so it appears as a deduction. What accrues is workplace pension: your contribution and your employer's appear as pension accruing beside the figure, never inside it. Your own contribution is taken before tax under a net pay arrangement, which is why it lowers your Income Tax.
What this result assumes
- Single, no other income
- Resident in the UK for the whole tax year
- National Insurance class 1, category A — the ordinary employee category
- Pension taken from pay before tax (a net pay arrangement)
What this model does not cover (9)
- Automatic enrolment. HMRC's estimator takes a pension contribution as a percentage of pay, not as auto-enrolment on qualifying earnings, so the 6.240-50.270 band and the 10.000 earnings trigger are exercised by no official case. The rates come from the DWP review and gov.uk; the arithmetic on them is ours.
- The 9 GBP tax-code gap itself. We model the annual assessment at the statutory Personal Allowance of 12.570; the estimator models PAYE withholding from code 1257L at 12.579. Neither is wrong and no oracle reconciles them, so the tolerance carries it. It vanishes above 125.140 where the allowance is nil, and those cases agree to the penny.
- Relief at source and salary sacrifice. We model a net pay arrangement. Relief at source takes 4 pct. from net pay and HMRC adds 1 pct.; salary sacrifice also reduces the National Insurance base. Both give different answers and neither is modelled.
- Tax codes other than the standard one: no emergency codes, no K codes, no marriage allowance transfer, no blind person's allowance.
- More than one undergraduate loan plan at once. HMRC's published rule, deduct against the lowest threshold, is implemented, but the estimator accepts only one plan at a time so no official case checks it.
- The high income child benefit charge, savings and dividend income, joint taxation, and the 100.000 GBP free-childcare cliff. The last is a benefit withdrawal rather than payroll, but it is sharper than anything modelled here.
- Employer National Insurance, 15 pct. above 5.000 GBP. It never touches net pay.
- Age-related and annual-allowance limits on pension relief: the engine has no date of birth and assumes the contribution is within them.
- Gross below 12.570 GBP and above 250.000 GBP, which is the range the corpus covers.
Sources for the United Kingdom
The rules this page is built from, at the bodies that set them. Every figure in the breakdown above also opens its own source.
How this is worked out
Why is the tax year written 2026/27?
Because the UK tax year runs from 6 April 2026 to 5 April 2027. Every other country on WorkWorth uses the calendar year.
What happens to the Personal Allowance at high incomes?
It is withdrawn gradually above a statutory threshold, which gives a band where each extra pound is taxed very heavily before the top rate begins. The result shows it; net pay still rises throughout.
Do student loan repayments count as tax?
No, but your employer deducts them through payroll. Choose your plan on the page and the repayment appears as its own line. Postgraduate loans are repaid alongside any other plan.
Does living in Scotland change the result?
Yes. Scotland sets its own Income Tax bands and rates on earned income; National Insurance is the same everywhere in the UK. Turn on the Scotland option to use the Scottish rates.
Is the monthly figure a payslip prediction?
It is one twelfth of the annual net amount. Actual monthly payroll can vary with holiday allowance, bonuses and withholding rounding.
Does the city change the tax?
It depends on the country. Where a region, canton or municipality sets part of the income tax, the place you choose changes the result, and the picker offers those places for that reason. Where income tax is set nationally, the city makes no difference to the payroll figure.
Can I use this for self-employment or part-year residence?
Those cases are not modelled. The answer assumes an employee resident for the whole year, and each country's page lists the rest of what it assumes.
Found something wrong?
Tell us which number and we will check it against the source.