£48,000 Salary - UK Take Home Pay
If you earn £48,000 per year in the UK, you will take home £38,080 after tax and National Insurance. That's £3,173.30 per month.
Customise Your Calculation
Your Income
Enter your salary details for 2025/26
Salary sacrifice reduces taxable income
Take Home Pay
£38,079.60/year
79.3% of gross income
- Gross Income£48,000.00
- Taxable Income£35,430.00
- Income Tax-£7,086.00
- National Insurance-£2,834.40
- Total Deductions-£9,920.40
20.7%
Effective Rate
20%
Marginal Rate
£48,000 Salary Insights
Compare your salary and understand your tax breakdown
£48,000 vs UK Wages
Above UK average
+37%
vs UK Median
£13,000
Above Median
Where Your £48,000 Goes
Annual breakdown of your salary
Tax Benefits on £48,000 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.
£48,000 Salary Breakdown
| Description | Yearly | Monthly |
|---|---|---|
| Gross Salary | £48,000.00 | £4,000.00 |
| Personal Allowance | £12,570.00 | £1,047.50 |
| Taxable Income | £35,430.00 | £2,952.50 |
| Income Tax | -£7,086.00 | -£590.50 |
| National Insurance | -£2,834.40 | -£236.20 |
| Total Deductions | -£9,920.40 | -£826.70 |
| Take Home Pay | £38,079.60 | £3,173.30 |
How is £48,000 Taxed?
On a £48,000 salary, here's how your income is distributed across tax bands:
Understanding Your £48,000 Salary
A £48,000 salary in the UK for the 2025/26 tax year will result in a take-home pay of £38,079.60 per year, or £3,173.30 per month. This calculation includes Income Tax and National Insurance deductions.
Your effective tax rate is 20.7%, meaning for every £1 you earn, you keep approximately £79 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.