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Take-Home Pay Calculator

Enter your gross salary to see your estimated take-home pay after income tax, National Insurance, and optional student loan or pension deductions. Based on 2025/26 tax year rates.

Annual Take-Home

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Daily (5-day wk)
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Estimates only. Does not account for benefits-in-kind, bonuses, or Scotland-specific income tax bands. Consult a payroll professional for exact figures.

2025/26 Tax Rates

Income Tax (England, Wales & NI)
Personal allowance: £12,570 • Basic rate 20%: £12,571–£50,270 • Higher rate 40%: £50,271–£125,140 • Additional rate 45%: above £125,140
National Insurance (Class 1 Employee)
8% on earnings between £12,570 and £50,270 • 2% above £50,270

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