UK Take-Home Pay Calculator

Take-home pay is the amount of your salary you actually receive after deductions — mainly Income Tax and National Insurance, and any pension contributions or student-loan repayments. It is sometimes called net pay, as opposed to your gross (pre-tax) salary.

We start from your gross salary, subtract any salary-sacrifice pension, then deduct Income Tax (using the 2025/26 bands) and employee National Insurance. What remains is your take-home pay. The calculator shows both the annual and monthly figures.

The tax-free personal allowance is £12,570 for 2025/26. You pay no Income Tax on the first £12,570 of income. The allowance is reduced by £1 for every £2 you earn above £100,000, and disappears entirely at £125,140.

For England, Wales and Northern Ireland: 20% (basic rate) on taxable income up to £37,700, 40% (higher rate) from £37,701 to £125,140, and 45% (additional rate) above £125,140. These are applied after your personal allowance.

Employees pay Class 1 National Insurance at 8% on earnings between £12,570 and £50,270 a year, and 2% on earnings above £50,270. The calculator applies these automatically.

No — it uses the rates for England, Wales and Northern Ireland. Scotland sets its own income-tax bands (with additional starter, intermediate and advanced rates), so Scottish taxpayers' take-home pay differs. National Insurance is the same UK-wide.

A salary-sacrifice pension contribution reduces your taxable salary, so you pay less Income Tax and National Insurance on it. The money goes into your pension rather than your bank account, so your take-home falls by less than the amount contributed.

Not in this version — it focuses on Income Tax and National Insurance. Student-loan repayments (9% above the plan threshold, or 6% for postgraduate loans) would reduce your take-home further. Tell us your plan type and we can factor it in.

Gross salary is your total pay before any deductions. Net salary (take-home pay) is what you actually receive after Income Tax, National Insurance and other deductions. Job adverts usually quote gross salary.

Above £100,000 of income, your £12,570 personal allowance is cut by £1 for every £2 earned. This creates an effective 60% marginal tax rate between £100,000 and £125,140, where the allowance is fully withdrawn. The calculator models this taper.

No. They are separate deductions with different thresholds. Income Tax funds general government spending; National Insurance funds the State Pension and certain benefits. Both come out of your salary, which is why this calculator shows them separately.

No. If you or your partner earns over the threshold and you claim Child Benefit, a separate tax charge can apply. That is handled through Self Assessment, not PAYE, so it is not part of a standard take-home estimate.

It uses the official 2025/26 Income Tax bands and National Insurance rates and is accurate for a standard PAYE employee with one job. It does not account for things like multiple jobs, taxable benefits, the marriage allowance, or Scottish rates.

The effective rate is your total Income Tax plus National Insurance expressed as a percentage of your gross salary. It is lower than your marginal (top) rate because the first slice of your income is taxed at lower rates or not at all.

No. The first £12,570 is covered by your personal allowance and is tax-free (subject to the taper above £100,000). Only income above that is taxed, at 20%, 40% or 45% depending on the band it falls into.

On £50,000 with no pension contribution, you'd pay roughly £7,486 Income Tax and about £2,994 National Insurance, leaving around £39,500 take-home (about £3,290 a month). Enter your exact figures above for a precise result.

Yes — the Income Tax bands, personal allowance and National Insurance rates are frozen at the same levels for 2026/27, so the 2025/26 result also applies to 2026/27 for a standard employee.

No. This shows your UK take-home only. As a US citizen or Green Card holder you must also file a US return on your worldwide income. The two systems interact, so cross-border filers should get specialist advice — see our US/UK guides and book a free call.

The calculation runs entirely in your browser and nothing is stored unless you choose to download the branded PDF report, at which point you provide your name and email so we can send it and offer relevant guidance. Phone and address are optional.

Yes. Enter your name and email (phone and address optional) and we generate a TaxStone-branded PDF of your take-home breakdown to download instantly — useful for budgeting, mortgage applications or sharing with an adviser.

If your situation is straightforward, PAYE usually gets it right. But if you have multiple income sources, are self-employed, earn over £100,000, or have US tax obligations, a quick check can save money. Book a free 20-minute call with TaxStone.