UK Salary Calculator
Work out your take-home pay from a gross salary, including Income Tax, National Insurance, and pension contributions.
2026/27 rates · last verified 15 August 2026
Estimates only, not financial advice. Verify with HMRC or a qualified accountant before making decisions. See our full disclaimer.
Income Tax breakdown
| Band | Taxed at | Amount in band | Tax |
|---|---|---|---|
| Basic rate | 20% | £22,430.00 | £4,486.00 |
How this is calculated
Enter your gross annual salary and choose whether you're taxed under the rest-of-UK bands or the Scottish bands. We apply the current tax-free Personal Allowance, then work out Income Tax and Class 1 National Insurance using the same thresholds HMRC uses on your payslip.
If your employer deducts pension contributions before tax through a net pay arrangement (the default for most workplace pensions), add your contribution percentage and we'll take it off your salary before working out Income Tax. National Insurance is still calculated on your full salary either way: HMRC doesn't give equivalent NI relief on a net pay arrangement, only salary sacrifice reduces both.
This calculator covers Income Tax, National Insurance, and pension contributions under a net pay arrangement. It doesn't yet account for student loan repayments or salary sacrifice, so if either applies to you, your actual take-home pay will differ from what's shown here.
Frequently asked questions
How is take-home pay calculated in the UK?
Take-home pay is your gross salary minus Income Tax, Class 1 National Insurance contributions, and any pension contribution taken before tax.
Does this include the Personal Allowance?
Yes, the calculator applies the current tax-free Personal Allowance before working out how much Income Tax is due, including the taper for income above £100,000.
Does this calculator include student loan repayments?
Not yet. This version covers Income Tax, National Insurance, and pension contributions. Student loan repayments are a separate deduction based on your repayment plan and income threshold, and we plan to add them in a future update.
What counts as a 'net pay arrangement' pension?
It's the most common way workplace pensions are set up: your contribution comes out of your salary before Income Tax is calculated, so you get full tax relief automatically. National Insurance is still worked out on your salary before that deduction, since HMRC doesn't apply the same relief to NI under a net pay arrangement. Salary sacrifice is a different arrangement that does reduce both, but this calculator doesn't model it separately yet.
Why is my take-home pay different from my payslip?
Differences usually come from things this calculator doesn't model yet: student loan repayments, benefits-in-kind, salary sacrifice schemes, or a tax code that isn't the standard Personal Allowance, for example if you have unpaid tax from a previous year.
Related calculators
Income Tax Calculator
Calculate how much Income Tax you owe, broken down by tax band: basic, higher, and additional rate.
National Insurance Calculator
Estimate your Class 1 National Insurance contributions as a standard employee, based on current NI thresholds and rates.
Take-Home Pay Calculator
See what lands in your bank account each month after tax, National Insurance, and pension contributions.