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PayClear UK

Gross to net calculator

Estimate only

Start from a gross figure and see where it goes: what is taxed, what is deducted and what is left.

Tax year 2025/26 · rules last reviewed 22 August 2026 · engine v1.0.0 · calculated 16 October 2026

Illustrated payslip and tax calculation charts
£

Scotland has its own income tax bands. Rates for the rest of the UK are the same.

%
£

Annual amount taken from net pay.

Estimated net income · 2025/26

£34,624

23.1% of gross deducted in total

Net per year
£34,624
Net per month
£2,885
Net per week
£665.84
Total deductions
£10,376

Deduction breakdown

Gross income£45,000.00
Pension− £1,800.00
Income tax− £6,126.00
National Insurance− £2,450.40
Student loan− £0.00
Other / benefits deductions− £0.00
Estimated net income£34,623.60
  • Net 76.9%
  • Income tax 13.6%
  • NI 5.4%
  • Pension 4.0%

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How this calculator works

  • Pension contributions are removed from gross income first.
  • Income tax is applied to what remains, after the personal allowance for the selected year.
  • Employee National Insurance and any student loan repayment are estimated on the same figure.
  • Benefit and other deductions are taken from net pay at the end.

Assumptions

  • You are aged under State Pension age and pay Class 1 employee National Insurance where relevant.
  • You have the standard tax code with no adjustments, restrictions or underpayments carried forward.
  • Income is spread evenly across the tax year, so no month-by-month PAYE smoothing effects are modelled.
  • No other taxable income, taxable benefits in kind, salary sacrifice arrangements or Marriage Allowance transfers are included unless entered.
  • Pension contributions are treated as a net pay (salary sacrifice equivalent) deduction taken before income tax is applied.

Limitations

  • Employer contributions and employer National Insurance are not shown — this is your side of the payslip.
  • Taxable benefits in kind reported through payroll are not modelled.
  • A non-standard tax code will change the income tax figure.

Sources for 2025/26

This calculator estimates figures from what you entered and the published rates for 2025/26. Your actual position depends on your tax code, your employer's payroll, other income and reliefs. This is not tax advice — you may wish to seek professional advice. See our calculation methodology.

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