After Tax Calculator
Where Your Money Goes
Full Breakdown: £84,000 Salary
| Deduction | Annual | Monthly | Weekly |
|---|---|---|---|
| Gross Salary | £84,000.00 | £7,000.00 | £1,615.38 |
| Income Tax | £21,032.00 | £1,752.67 | £404.46 |
| National Insurance | £3,690.60 | £307.55 | £70.97 |
| Take-Home Pay | £59,277.40 | £4,939.78 | £1,139.95 |
Understanding Your £84,000 Salary After Tax
If you earn £84,000 per year in the UK, your employer will deduct £21,032.00 in income tax and £3,690.60 in National Insurance contributions during the 2025/26 tax year. This leaves you with a net take-home pay of £59,277.40 annually. Use our after tax calculator to adjust for pension and student loan deductions.
Your Daily Spending Power
On a £84,000 salary, your take-home works out to £228 per working day and approximately £29 per hour (based on a standard 37.5-hour working week across 260 working days). To put this in everyday terms, your daily net earnings equate to roughly 51 cups of coffee or 28 shop-bought lunches. Understanding your true hourly rate after tax helps when evaluating overtime offers, freelance opportunities, or deciding whether a side project is financially worthwhile.
Student Loan Repayments at £84,000
If you have a student loan, repayments are deducted at 9% of earnings above your plan's threshold. On Plan 2 (post-2012 graduates), at £84,000 you'd repay £5,103/year (£425/month) above the £27,295 threshold. On Plan 1 (pre-2012), repayments would be £5,579/year above the £22,015 threshold. Plan 2 loans are written off after 30 years — if your salary stays around £84,000, calculate whether you'd clear the balance before then or whether repayments are effectively an additional tax.
Pension Power at £84,000
As a 40% taxpayer, pension contributions offer significant tax advantages. A 5% salary sacrifice contribution of £4,200 per year costs you only £2,520 in reduced take-home — because the £1,680 tax saving means the government effectively subsidises 40% of your contribution. Over a 30-year career with modest investment growth, this single decision could accumulate approximately £189,000 in your pension pot. Increasing your contribution by even 1% adds meaningful long-term wealth.
Rent Affordability Across the UK
Financial guidelines suggest spending no more than 30% of your take-home pay on rent. On £4,940 per month, your recommended maximum rent is £1,482. This budget is achievable in South East (avg £1,200), Manchester (avg £950), Birmingham (avg £850), Leeds (avg £800), Newcastle (avg £650), Edinburgh (avg £1,050), Cardiff (avg £750). However, average rents in London (£1,750) exceed this threshold. Shared accommodation, commuting from suburbs, or employer housing support can bridge the gap in high-cost areas.
Mortgage Affordability on £84,000
UK mortgage lenders typically offer 4.5 times your gross salary as a maximum loan. On £84,000, that gives you borrowing power of approximately £378,000. With a 10% deposit of £37,800, you could purchase a property worth up to £415,800. At current interest rates (around 5.5%), monthly repayments on this mortgage would be roughly £1,733 — representing 35% of your £4,940 monthly take-home pay. Financial advisers generally recommend keeping mortgage payments below 28-33% of net income.
For comparison: someone earning £50,000 per year takes home £39,520, and someone earning £120,000 per year takes home £75,914.
Monthly & Weekly Take-Home
Your £84,000 salary breaks down to £4,939.78 per month, £1,139.95 per week, or £227.99 per working day. If you work a standard 37.5-hour week, that's approximately £28.50 per hour after tax.
Frequently Asked Questions
Compare Similar Salaries
See how your take-home pay compares to other salary levels:
Popular After Tax Calculations
These are the most searched salary calculations in the UK — see the full breakdown for each:
Specialist Calculators
Need a calculator tailored to your profession or employment type?