Calculate your take-home pay after tax, NI, pension and student loans.
Free UK salary calculator showing your take-home pay after tax, National Insurance, pension and student loan deductions.
Updated for 2025/26 • Based on official HMRC rates • Instant results
Calculate your take-home pay after tax, National Insurance, pension and student loan deductions.
This calculator uses official HMRC rates and thresholds for the 2025/26 tax year. Every value shown below is pulled directly from the same configuration used in the calculations above, so you can verify exactly what figures are being applied to your salary.
The Personal Allowance is the amount of income you can earn before you start paying Income Tax. Most people get the standard allowance, but it reduces if you earn over £100,000. For every £2 you earn above £100,000, you lose £1 of allowance. This means your allowance reaches zero when you earn £125,140, and effectively creates a 60% marginal tax rate in this income band.
| Standard Personal Allowance | £12,570 |
| Allowance starts to reduce at | £100,000 |
| Allowance fully withdrawn at | £125,140 |
| Blind Person's Allowance (additional) | £3,130 |
Income Tax is charged on your taxable income (your earnings minus your Personal Allowance). Different portions of your income are taxed at different rates. Only the income within each band is taxed at that band's rate.
| Band | Taxable Income | Rate |
|---|
Source: GOV.UK - Income Tax rates
If you live in Scotland, you pay Scottish Income Tax on your non-savings, non-dividend income. Scotland has more tax bands than the rest of the UK, with a Starter Rate, an Intermediate Rate, and different thresholds. Your tax code will include an 'S' prefix if you're a Scottish taxpayer.
| Band | Taxable Income | Rate |
|---|
National Insurance contributions (NICs) are deducted from your wages if you're employed and earning above the Primary Threshold. You pay a main rate on earnings between the Primary Threshold and Upper Earnings Limit, then a reduced rate on anything above. Your employer also pays NICs on your earnings above the Secondary Threshold.
| Primary Threshold (you pay NI above this) | £12,570/year |
| Upper Earnings Limit | £50,270/year |
| Your rate between PT and UEL | 8% |
| Your rate above UEL | 2% |
| Secondary Threshold (employer pays above this) | £5,000/year |
| Employer's rate | 15% |
If you're self-employed, you may pay two types of National Insurance. Class 2 is a flat weekly amount if your profits exceed the Small Profits Threshold. Class 4 is calculated as a percentage of your profits between the Lower and Upper Profits Limits, with a reduced rate on profits above the upper limit.
| Class 2 flat rate | £3.45/week |
| Class 2 Small Profits Threshold | £6,725/year |
| Class 4 Lower Profits Limit | £12,570/year |
| Class 4 Upper Profits Limit | £50,270/year |
| Class 4 rate between LPL and UPL | 6% |
| Class 4 rate above UPL | 2% |
Student loan repayments are automatically deducted from your salary once you earn above your plan's threshold. You repay 9% of everything you earn over the threshold (6% for Postgraduate Loans). If you have multiple loans, you repay each one simultaneously. These repayments are made through PAYE alongside your tax and National Insurance.
| Plan Type | Annual Threshold | Rate |
|---|
If you earn above the earnings trigger, your employer must automatically enrol you into a workplace pension. The minimum contribution is 8% of your "qualifying earnings" (the portion of your salary between the lower and upper limits), with at least 3% coming from your employer. Many employers calculate contributions on full salary instead, which results in higher pension savings.
| Automatic enrolment trigger | £10,000/year |
| Qualifying Earnings lower limit | £6,240/year |
| Qualifying Earnings upper limit | £50,270/year |
| Minimum total contribution | 8% |
| Minimum from employer | 3% |
Child Benefit is a tax-free payment to help with the costs of raising children. You receive a higher amount for your first or only child, with a lower rate for each additional child. However, if you or your partner earns above the HICBC threshold, you may need to repay some or all of the benefit through the High Income Child Benefit Charge. The charge increases gradually until you reach the cap, at which point you repay 100%.
| Weekly rate for first child | £26.05 |
| Weekly rate for additional children | £17.25 |
| HICBC starts at | £60,000 |
| Full benefit clawed back at | £80,000 |
Sources: GOV.UK - Child Benefit rates, GOV.UK - High Income Child Benefit Charge
Marriage Allowance lets you transfer part of your Personal Allowance to your spouse or civil partner. This can reduce their tax bill if they're a basic rate taxpayer and you earn less than the Personal Allowance (or don't use all of it). The transfer is 10% of the standard Personal Allowance, resulting in a tax saving worth 20% of the transferred amount.
| Amount you can transfer | £1,260 |
| Tax saving for recipient (20%) | £252 |
Source: GOV.UK - Marriage Allowance
This calculator provides estimates for illustrative purposes only. While we use official HMRC rates and strive for accuracy, tax calculations can be affected by many factors specific to your circumstances that this calculator cannot account for. The results should not be used as the basis for financial decisions.
For definitive guidance on your tax situation, please consult HMRC directly or speak to a qualified tax professional.
Last updated: February 2025
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