What is the monthly take-home pay on £48,000?

£3,173 a month (£38,080 a year) after £7,086 Income Tax and £2,834 employee National Insurance, with no pension or student-loan deductions. Source: HMRC (OGL v3.0).

How much tax and National Insurance do you pay on £48,000?

On £48,000 you pay £7,086 Income Tax and £2,834 employee National Insurance in 2026/27 — total deductions of £9,920 (an effective rate of 20.7% of gross). Source: HMRC (OGL v3.0).

What is the take-home on £48,000 after a 5% pension?

Adding a 5% workplace-pension contribution (£2,400) reduces take-home to £35,680 a year (£2,973 a month). The pension is your own money saved, not a tax — 5% is the automatic-enrolment minimum employee rate.

What is the Gera Take-Home Index for £48,000?

79.3p in the pound — you keep 79.3p of every £1 of this salary after Income Tax and employee National Insurance. Computed from real HMRC 2026/27 rates.

GeraJobs / Take-Home Pay / £48,000

£48,000 After Tax — Take-Home Pay 2026/27

£48,000 a year is £38,080 take-home — £3,173 a month — after £7,086 Income Tax and £2,834 National Insurance.

What is the take-home pay on £48,000 in the UK (2026/27)?

A £48,000 salary in 2026/27 gives £38,080 take-home a year — £3,173 a month — after £7,086 Income Tax and £2,834 employee National Insurance. That keeps 79.3p of every £1. Source: HMRC (OGL v3.0). Excludes pension/student loan unless added.

Source:GOV.UK — Income Tax rates and Personal Allowance·As of Tax year 2026 to 2027 (6 April 2026 to 5 April 2027) · updated annually (rates change 6 April; council tax 1 April) · last refreshed 19 June 2026

Gera Take-Home Index

On £48,000 you keep 79.3p of every £1 after Income Tax and employee National Insurance. Computed from real HMRC 2026/27 rates.

How this is calculated

79.3p / £1

£48,000 — full breakdown

Gross salary	£48,000
Personal Allowance	£12,570
Income Tax	− £7,086
Employee National Insurance	− £2,834
Take-home pay (year)	£38,080
Take-home pay (month)	£3,173
Effective deduction rate	20.7%
Gera Take-Home Index	79.3p / £1

Add pension, student loan or council tax in the calculator below for your full net figure.

Gera Take-Home Pay Calculator (2026/27)

Enter your salary and options to see your real take-home after Income Tax, National Insurance, pension, student loan and council tax — using the official HMRC 2026/27 rates and real regional council-tax figures.

Annual salary (gross)Region (for council tax)Pension contribution (% of gross)Student loan plan

Gross salary: £48,000
Income Tax: − £7,086
Employee National Insurance: − £2,834
Pension: − £2,400
Student loan: − £0

Take-home pay: £35,680 a year (£2,973 a month).

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Uses rest-of-UK Income Tax bands. Scottish taxpayers pay different Income Tax rates (NI is the same UK-wide). A model based on real HMRC 2026/27 rates — not personal tax advice.

£48,000 after council tax, by region

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£48,000 after tax — FAQ

What is the monthly take-home pay on £48,000?: £3,173 a month (£38,080 a year) after £7,086 Income Tax and £2,834 employee National Insurance, with no pension or student-loan deductions. Source: HMRC (OGL v3.0).
How much tax and National Insurance do you pay on £48,000?: On £48,000 you pay £7,086 Income Tax and £2,834 employee National Insurance in 2026/27 — total deductions of £9,920 (an effective rate of 20.7% of gross). Source: HMRC (OGL v3.0).
What is the take-home on £48,000 after a 5% pension?: Adding a 5% workplace-pension contribution (£2,400) reduces take-home to £35,680 a year (£2,973 a month). The pension is your own money saved, not a tax — 5% is the automatic-enrolment minimum employee rate.
What is the Gera Take-Home Index for £48,000?: 79.3p in the pound — you keep 79.3p of every £1 of this salary after Income Tax and employee National Insurance. Computed from real HMRC 2026/27 rates.

Get the new tax thresholds when they change

UK Income Tax and NI change every April. Save your email and we'll send the updated take-home figure for this salary as soon as it's confirmed.

Sources: HMRC — Income Tax rates and Personal Allowance + Class 1 employee National Insurance, 2026 to 2027 (Open Government Licence v3.0). Rest-of-UK bands; Scottish Income Tax differs. The Gera Take-Home Index is computed by GeraJobs from these figures. A guide, not personal tax advice.