Saving Tool Advanced
Use our most sophisticated tool to plan your future.
Take your forecasts much further with the UK's most comprehensive personal finance tool.
£30,000 after tax is £25,121
On a salary of £30,000, in 2025/26 you'll take home £25,121, which is 84% of your salary. Thats £2,093 per month, or £483 per week.
That's £3,486 of Income Tax and £1,393 of National Insurance Contributions (NICs).
See below for a full breakdown of the tax you will pay. Add more information such as your workplace pension and student loan repayments for a more detailed picture of your finances.
View other salaries
Your taxes (2025/26)
Various assumptions apply
The primary assumptions are that you are a FTE and that standard tax rates for 2025/26 apply to you. For fewer limitations, try Saving Tool Advanced.
| Year | Month | Week | |
|---|---|---|---|
| Gross Income | £37,500 | £3,125 | £721 |
| Pension Contributions£375 Saved! | £1,875 | £156 | £36 |
| Employer Pension ContributionsPot Increased | £1,125 | £94 | £22 |
| Taxable Income | £35,625 | £2,969 | £685 |
| Personal allowance | £12,570 | - | - |
| National Insurance | £1,843 | £154 | £35 |
| Income Tax | £4,611 | £384 | £89 |
| Take Home Pay | £29,171 | £2,431 | £561 |
| Added to Pension | £3,000 | £250 | £58 |
| Opportunities Found | View My Opportunities ⟶ | ||
HMRC Tax rates and rules last updated 12/05/2025
Your Monthly Outgoings
Projected Pension
Wealth & Financial Independence More Info
%
%
%
Financial independence means having enough saved that your expenses will be covered for the rest of your life.
- In today's money, you'll have at least £21,600 / year (£1,800 / month) when you retire at 66 - just from your savings
- In real terms (where inflation is not removed), that's £38,340 / year (£3,195 / month)
- That means all your outgoings are covered without having to make any further contributions!
- All your expenses are covered for your retirement, but your wealth may start to decrease towards old age
Projected Wealth
Calculations
- FI Target = Annual outgoings (£21,600) * Years needed for 4.00% SWR (25.00) = £540,000
- Invested annual pension = £3,000
- Invested annual surplus = £2,171
- Inflation of 2.5% / year
- Assumes New State Pension, payments increasing with inflation (2.5% / year)
- Assumes student loans last 30 years max
- Assumes a flex-drawdown pension for illustration purposes
- Assumes you draw down pension up to the higher rate bracket (£50,270), then draw down your S&S ISA
- Pension lump sums are not included