UK Salary Calculator · Tax year 2025-26
How much is your take-home pay?
Calculate your UK net salary in 2 seconds — Income Tax (PAYE), National Insurance, Student Loan and Pension. Updated for HMRC tax year 2025-2026.
Your details
Tax year 2025-2026. Updated for HMRC current rates.
Scotland has different Income Tax bands.
UK auto-enrolment default is 5% employee.
Take-home pay (annual)
£34,120.00
24.2% of your gross goes to deductions
Monthly
£2,843.00
Weekly
£656.00
Daily
£131.00
Hourly
£17.00
Where your salary goes
ℹ️ Calculations based on HMRC rates for tax year 2025-2026 (6 April 2025 – 5 April 2026). Estimates only — your actual take-home may vary based on tax code, benefits-in-kind, salary sacrifice schemes and other factors.
Understanding your UK take-home pay
Personal Allowance
Everyone gets a tax-free Personal Allowance — the amount you can earn before paying any Income Tax. For tax year 2025-2026, the standard Personal Allowance is £12,570. It tapers off for high earners: you lose £1 of allowance for every £2 you earn over £100,000, fully exhausted at £125,140.
Income Tax (PAYE) — England, Wales, NI
After Personal Allowance, you pay 20% basic rate on the next £37,700 (up to £50,270), 40% higher rate up to £125,140, and 45% additional rate above. Your employer withholds this monthly via PAYE.
Income Tax — Scotland
Scottish residents follow Scottish Income Tax bands set by the Scottish Parliament: Starter 19%, Basic 20%, Intermediate 21%, Higher 42%, Advanced 45%, Top 48%. National Insurance is the same UK-wide.
National Insurance (Class 1 employee)
NI funds the State Pension, NHS and benefits. Employees pay 8% on earnings between the Primary Threshold (£12,570) and the Upper Earnings Limit (£50,270), then 2% above the UEL. Self-employed have different rates (Class 2/4).
Student Loan repayments
You repay 9% (6% for postgraduate) of income above the threshold for your plan. Repayments stop automatically when the loan is fully repaid or after the write-off period (25 to 40 years depending on plan).
Pension contributions
UK auto-enrolment requires a minimum of 5% employee + 3% employer (total 8% of qualifying earnings). Contributions are typically deducted before Income Tax (net pay arrangement) giving immediate tax relief. Many employers offer higher matching — always check your scheme.
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ℹ️ Calculator estimates only. Your actual take-home pay may vary based on your tax code, benefits-in-kind, salary sacrifice schemes, additional pension contributions, and other factors. For personal tax advice, consult a qualified professional or HMRC at gov.uk/personal-tax.