- Enter your annual gross salary — the figure in your contract before deductions.
- Choose whether you repay a Plan 2 student loan (9% of income above £27,295).
- The calculator applies the £12,570 personal allowance, 20% / 40% / 45% tax bands and 8% / 2% employee National Insurance.
- You get your net pay per year, month, week and day, with a full breakdown of each deduction.
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Salary Calculator UK — Take-Home Pay After Tax and National Insurance
Work out your take-home pay in seconds. This free UK salary calculator applies 2025/26 HMRC income tax bands, the personal allowance, National Insurance rates and optional Plan 2 student loan repayments to show exactly what lands in your bank account each month.
How the UK salary calculator works
Frequently asked questions
What are the UK tax bands for 2025/26?
The personal allowance is £12,570 (tax-free, tapering above £100,000). The basic rate is 20% on taxable income up to £37,700, higher rate 40% up to £125,140, and additional rate 45% above that.
How much National Insurance do I pay?
Employees pay 8% on earnings between £12,570 and £50,270, and 2% on everything above £50,270. The calculator applies these rates to your gross salary.
Is pension contribution included?
Workplace pension contributions (usually 5% employee) are not deducted by default because schemes vary — subtract your pension contribution from the result if you pay into one.
Does this include the tax-free personal allowance?
Yes. The first £12,570 is tax-free, and the allowance is reduced by £1 for every £2 earned above £100,000, which the calculator handles automatically.
Estimates are for guidance only and are based on published 2025/2026 rates. Always confirm with a qualified professional for financial decisions.