Monthly net pay for a UK civil servant (seo - senior executive officer) earning £45,000 gross, calculated against HMRC 2026/27 PAYE bands, Class 1 employee National Insurance and a 5% auto-enrolment pension contribution.
Verify my payslip free →Estimated take-home
£2,831.80/month
£33,982 per year · £653.49 per week
Tax code 1257L cumulative; 2026/27 HMRC rates; 5% auto-enrolment pension on qualifying earnings.
| Item | Annual | Monthly |
|---|---|---|
| Gross salary | £45,000 | £3,750.00 |
| Personal Allowance | £12,570 | £1,047.50 |
| Income Tax (PAYE) | -£6,486.00 | -£540.50 |
| National Insurance | -£2,594.40 | -£216.20 |
| Pension (5%) | -£1,938.00 | -£161.50 |
| Net take-home | £33,982 | £2,831.80 |
£45,000 is essentially in line with the UK median for a civil servant (seo - senior executive officer) (£43,900), so a payslip at this gross is what most peers in the role would expect to see.
It is also above the UK full-time national median of £37,430 (ONS ASHE 2024).
For context, the 25th percentile for civil servant (seo - senior executive officer)s sits at £41,200 and the 75th at £47,100 (ONS ASHE 2024). Quirk specific to this occupation: SEO covers senior delivery managers, policy advisers, principal analysts. Alpha pension tier 9.7%. DDaT SEO equivalents (Senior Software Engineer, Senior Data Scientist) earn £55k-£75k with market-rate supplements.
Effective deduction rate at this gross: 24.49%. Marginal rate (next pound earned): 32%.
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Upload & check free →Salary estimates: ONS Annual Survey of Hours and Earnings (ASHE) 2024, full-time gross annual pay by SOC 2020 occupation. Figures rounded to nearest £100.