Free Tool

What's your take-home?

Your income tax, National Insurance and take-home pay in seconds. Defaults to England, Wales & Northern Ireland. Tick the box if you're a Scottish taxpayer for Scotland's separate bands.

Your annual gross income

I'm a Scottish taxpayerScotland sets its own income-tax bands. Leave unticked for England, Wales & Northern Ireland.

Take-home

£45,357

£3,780 / month

Income tax

£11,432

Marginal rate 40.0%

National Insurance

£3,211

Effective 24.4% total

As a taxpayer in England, Wales & NI you pay £1,782 less income tax than a Scottish taxpayer on this income.

How it's taxed: England, Wales & N. Ireland

2026/27

Personal allowance (0%): £12,570
Basic rate (20.0%) on £37,700: £7,540
Higher rate (40.0%) on £9,730: £3,892
Total income tax: £11,432

Indicative estimate for the 2026/27tax year. Assumes the standard personal allowance and employment (non-savings, non-dividend) income with Class 1 National Insurance; it does not account for pensions, dividends, other reliefs or your full circumstances. Not formal advice. We'll confirm your exact position.

Could you keep more of it?

Email yourself this breakdown plus a few ways we help clients reduce their bill legitimately.

Paying more than you need to?

Salary vs dividends, pension contributions, allowances, cross-border structuring: there are legitimate ways to keep more of what you earn. Let's look at yours.

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