UK Salary Calculator 2025-2026
Calculate your take-home pay for your 2025 budget. See a full breakdown of income tax, national insurance, student loan, and more.
Your Results
A breakdown of your income and deductions.
Take-Home Pay
£30,533.60
- Take-Home£30,533.60
- Tax£13,972.00
- NI£2,994.40
- Pension£2,500.00
| Gross Pay | £50,000.00 |
| Income Tax | -£13,972.00 |
| National Insurance | -£2,994.40 |
| Pension Contribution | -£2,500.00 |
Understanding Your UK Take-Home Pay in 2025
Ever look at your payslip and wonder where your money goes? Our take-home pay calculator makes it simple. Instantly see a breakdown of your salary, income tax, NI, and other deductions for the 2025/2026 tax year.
How Our Tax Calculator Works
Our calculator processes your earnings against the latest PAYE regulations for England, Scotland, Wales, and Northern Ireland. It considers:
Gross Income & Bonuses
Enter your annual, monthly, or hourly wage, plus any salary bonuses.
Income Tax (PAYE)
Calculated based on your tax code and the latest 2025-2026 tax bands.
National Insurance (NI)
Your contributions towards state benefits like the NHS and State Pension.
Pension Contributions
We factor in both your employee and any employer contributions to show the tax relief benefits.
Student Loan
Covering all repayment plans for England, Wales, Scotland, and NI (Plans 1, 2, 4, 5, and Postgraduate).
Other Factors
Including overtime, childcare costs, charitable donations, and taxable benefits.
National Insurance 25/26
Employee (Class 1) NI contributions.
| Earnings | Rate |
|---|---|
Below £242/week Below £12,570 | 0% |
£242 - £967/week £12,570 - £50,270 | 8% |
Above £967/week Above £50,270 | 2% |
Applies to employees with NI category letter A.
Key Deductions Explained
Why Use Our Salary Calculator?
Budgeting & Financial Planning
Accurately plan your monthly budget, mortgage repayments, savings, and investments.
Job Offer Comparison
Compare multiple job offers by seeing how salary and bonus differences affect your net pay.
Analyse Pay Rises
See the real impact of a pay rise or bonus on your earnings after all deductions are applied.
Check Your Payslip
Verify your payslip to ensure you're being taxed correctly and all deductions are as expected.
Tax Bands & Allowances 25/26
A summary of the income tax rates and allowances.
Allowances
| Personal Allowance | £12,570 |
| Income Limit for Personal Allowance | £100,000 |
| Blind Person's Allowance | £3,070 |
| Married Couple's Allowance | Up to £1,127 tax reduction |
Tax Bands (above personal allowance)
| Income Band | Tax Rate |
|---|---|
| £0 - £37,700 | 20% |
| £37,701 - £125,140 | 40% |
| Over £125,140 | 45% |
Figures are for the 2025/2026 tax year and are based on official government data. These may be subject to change.
Student Loan Thresholds 25/26
Repayment starts on income above the threshold.
| Income | Repayment Rate |
|---|---|
| Below £24,990 | 0% |
| Above £24,990 | 9% |
Figures are for the 2025/2026 tax year and are based on official government data.