£42,000 Salary - UK Take Home Pay
If you earn £42,000 per year in the UK, you will take home £33,760 after tax and National Insurance. That's £2,813.30 per month.
Customise Your Calculation
Your Income
Enter your salary details for 2025/26
Salary sacrifice reduces taxable income
Take Home Pay
£33,759.60/year
80.4% of gross income
- Gross Income£42,000.00
- Taxable Income£29,430.00
- Income Tax-£5,886.00
- National Insurance-£2,354.40
- Total Deductions-£8,240.40
19.6%
Effective Rate
20%
Marginal Rate
£42,000 Salary Insights
Compare your salary and understand your tax breakdown
£42,000 vs UK Wages
Above UK average
+20%
vs UK Median
£7,000
Above Median
Where Your £42,000 Goes
Annual breakdown of your salary
Tax Benefits on £42,000 from Pension
See how pension contributions reduce your tax bill
Increase your pension contribution to see potential tax savings. Pension contributions reduce your taxable income.
£42,000 Salary Breakdown
| Description | Yearly | Monthly |
|---|---|---|
| Gross Salary | £42,000.00 | £3,500.00 |
| Personal Allowance | £12,570.00 | £1,047.50 |
| Taxable Income | £29,430.00 | £2,452.50 |
| Income Tax | -£5,886.00 | -£490.50 |
| National Insurance | -£2,354.40 | -£196.20 |
| Total Deductions | -£8,240.40 | -£686.70 |
| Take Home Pay | £33,759.60 | £2,813.30 |
How is £42,000 Taxed?
On a £42,000 salary, here's how your income is distributed across tax bands:
Understanding Your £42,000 Salary
A £42,000 salary in the UK for the 2025/26 tax year will result in a take-home pay of £33,759.60 per year, or £2,813.30 per month. This calculation includes Income Tax and National Insurance deductions.
Your effective tax rate is 19.6%, meaning for every £1 you earn, you keep approximately £80 pence. Your marginal tax rate (the rate on your next £1 earned) is 20%. Learn more about UK tax bands.
This calculation assumes you have a standard Personal Allowance of £12,570, no student loan repayments, and no pension contributions. You can adjust these factors using the calculator above to see how they affect your take-home pay.
Looking for salary information by job title? Browse UK salaries by profession to see how your salary compares to others in your field.