UK Take-Home Pay Calculator
Estimate your annual and monthly take-home pay using current UK Income Tax and National Insurance rates.
- Independent. Not affiliated with HMRC.
- Clear breakdown of tax, NI, pension and student loan.
- Results shown yearly and monthly with a simple toggle.
UK salary estimator
Your results
- Income Tax £0.00
- National Insurance £0.00
- Pension £0.00
- Student loan £0.00
- Total deductions £0.00
Toggle between yearly and monthly to view figures in your preferred format.
What is Income Tax?
Income Tax is the tax you pay on money you earn from work and certain benefits. Most employees pay it through Pay As You Earn (PAYE). Your employer deducts Income Tax and National Insurance from your wages before paying you. The amount you pay depends on how much you earn within the tax year and which tax bands your income falls into.
For most people, part of your income is tax free. This is called the Personal Allowance. Above that allowance, your income is taxed in bands at different rates. Only the portion that falls into each band is taxed at that band’s rate. This is known as a marginal system and it means a higher rate does not apply to your whole salary.
Your tax code tells your employer how much tax free income to apply through PAYE. Codes change if your benefits in kind, adjustments, or previous underpayments apply. If you are unsure about your code, you can check it on your payslip or through your Personal Tax Account with HMRC.
Pension contributions can reduce the income that is subject to Income Tax. In our calculator we assume your employee pension contribution is taken from gross pay for Income Tax purposes. This matches common workplace schemes but exact treatment can vary by scheme design. Pension contributions do not reduce the income used for employee National Insurance in this simplified model.
Scotland sets different Income Tax bands for non-savings, non-dividend income. If you live in Scotland, use the Scottish Take-Home Pay Calculator.
2025 to 2026 tax rates and allowances
The figures below apply to employees in England, Wales and Northern Ireland for the 2025 to 2026 tax year. These are the rates used by this calculator.
Income Tax
| Band | Taxable income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
Personal Allowance can be different if your tax code changes. High earners may see a reduced allowance. Our calculator assumes the standard allowance unless stated otherwise.
National Insurance (Class 1 employee)
| Band | NI earnings slice | Rate |
|---|---|---|
| Below Primary Threshold | Up to £12,570 | 0% |
| Main rate | £12,570 to £50,270 | 8% |
| Upper rate | Over £50,270 | 2% |
NI is charged on weekly or monthly pay periods in payroll, but the yearly rates shown here match the calculator’s annualised method.
Student loan thresholds 2025 to 2026
| Plan | Threshold | Rate |
|---|---|---|
| Plan 1 | £26,065 | 9% |
| Plan 2 | £28,470 | 9% |
| Plan 4 | £32,745 | 9% |
| Plan 5 | £25,000 | 9% |
| Postgraduate (PGL) | £21,000 | 6% |
Scotland has different Income Tax bands for non-savings, non-dividend income. If your main residence is in Scotland, use our dedicated Scottish calculator.
Tax bands
The UK uses a marginal band system. Your income is split into slices and each slice is taxed at the rate for that band. This protects the income in lower bands. Moving into a higher band does not raise tax on the money already taxed at lower rates.
Simple example
If your taxable pay for the year is £60,000 after any pension deduction:
- £12,570 is tax free.
- £37,700 is taxed at 20% in the basic rate band.
- £9,730 is taxed at 40% in the higher rate band.
The calculator applies the same logic automatically and also adds National Insurance and any student loan repayment to give you a clear total of your deductions and your estimated take-home pay.
Common points to check
- Your tax code, as this sets your Personal Allowance in payroll.
- Whether any of your pension contributions use salary sacrifice, which can change both tax and NI.
- Whether you live in Scotland, as different bands apply for non-savings, non-dividend income.
Tax bands
The UK uses a marginal band system. Your income is split into slices and each slice is taxed at the rate for that band. This protects the income in lower bands. Moving into a higher band does not raise tax on the money already taxed at lower rates.
Simple example
If your taxable pay for the year is £60,000 after any pension deduction:
- £12,570 is tax free.
- £37,700 is taxed at 20% in the basic rate band.
- £9,730 is taxed at 40% in the higher rate band.
The calculator applies the same logic automatically and also adds National Insurance and any student loan repayment to give you a clear total of your deductions and your estimated take-home pay.
Common points to check
- Your tax code, as this sets your Personal Allowance in payroll.
- Whether any of your pension contributions use salary sacrifice, which can change both tax and NI.
- Whether you live in Scotland, as different bands apply for non-savings, non-dividend income.