UK Salary Calculator: Take-Home Pay 2025/26
See your take-home pay after tax, National Insurance, pension and student loan. 2025/26 rates.
In plain words: Enter your salary to see what you take home each month and year after income tax and National Insurance. Add your pension and student loan plan for a closer figure. It's an estimate using England, Wales and NI tax bands.
Pension is treated as a workplace net pay arrangement: it is deducted before income tax, but National Insurance and student loan are worked out on your full gross pay. (Not salary sacrifice, and not relief at source.) Income tax uses England/Wales/NI bands; Scottish rates are not modelled.
| Category | Yearly | Monthly | Weekly | Daily (260d) |
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How to Use UK Salary Calculator: Take-Home Pay 2025/26
- Enter your annual gross salary (£), or switch to Contractor Day Rate (£/day), which is multiplied by 220 working days.
- Set your pension contribution (%) and student loan plan (Plan 1, 2, 4, 5 or Postgraduate) if you have one.
- See your annual, monthly, weekly and daily breakdown of Income Tax, National Insurance and take-home pay.
Understanding Your UK Take-Home Pay & Tax Bands
This calculator uses the 2025/26 tax year rates for England, Wales and Northern Ireland (Scottish income tax bands are not included). Day-rate mode treats the income like a salary for tax and NI; it does not model limited companies or IR35. Whether you are negotiating a new job offer or comparing a permanent salary against a day rate, headline gross figures rarely tell the whole story — especially around the £50,270 higher-rate threshold and the £100,000–£125,140 personal allowance taper ("the 60% tax trap").
| UK Tax Band (England, Wales & NI) | Taxable Income Threshold | Income Tax Rate | Employee NI Rate |
|---|---|---|---|
| Personal Allowance | Up to £12,570 | 0% | 0% |
| Basic Rate | £12,571 to £50,270 | 20% | 8% |
| Higher Rate | £50,271 to £125,140 | 40% (60% effective £100k–£125k) | 2% |
| Additional Rate | Over £125,140 | 45% | 2% |