UK salary tax calculator
Calculate UK take-home pay, income tax, National Insurance and student loan deductions for 2024-26.
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Monthly Take-Home
Yearly Take-Home
Total Tax & NI
Weekly Take-Home
Salary & Deductions Breakdown
Tax Year 2024/25 & 2025/26| Item | Per Year | Per Month | Per Week |
|---|---|---|---|
| Gross Salary | |||
| Personal Allowance | |||
| Income Tax (PAYE) | |||
| National Insurance (Class 1) | |||
| Pension Contribution | |||
| Student Loan Repayment | |||
| Net Take-Home Pay |
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Popular uses
About this tool
Calculate your exact UK take-home pay after PAYE income tax and National Insurance deductions for tax years 2024/25 and 2025/26. Adjust for workplace pension contributions and student loan plans (Plan 1, Plan 2, Plan 4 Scotland, Plan 5, or Postgraduate) to see your true monthly, weekly, and annual take-home pay.
How to use it
- 1 Enter your gross salary and select your payment period (year, month, week, day, or hour).
- 2 Adjust your pension contribution percentage and select your student loan plan if applicable.
- 3 View your complete tax breakdown: net take-home pay, income tax, Class 1 NI, and effective tax rate.
Questions
What is the UK Personal Allowance?
The standard UK Personal Allowance is £12,570. You pay zero income tax on earnings up to this amount. It reduces by £1 for every £2 earned above £100,000, reaching £0 at £125,140.
What are the current UK National Insurance rates?
From 6 April 2024, the main employee Class 1 National Insurance rate was reduced to 8% on earnings between £12,570 and £50,270 per year. Earnings over £50,270 are taxed at 2%.
Does pension contribution reduce income tax?
Yes. Auto-enrolment and salary sacrifice pension contributions reduce your taxable gross income, lowering the amount of PAYE income tax and National Insurance you pay.
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
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