UK Take Home Pay Calculator 2025/2026
Estimate your net (take-home) salary after Income Tax and National Insurance using current HMRC rates for England, Wales & Northern Ireland.
Your Estimated Take Home Pay
How Does the UK Take Home Pay Calculator Work?
This tool estimates net pay after Income Tax and Class 1 National Insurance for the 2025/2026 tax year. It applies the £12,570 Personal Allowance (with taper above £100,000), standard UK tax bands (20%/40%/45%), and NI rates (8% on £12,571–£50,270, 2% above). Scotland has different tax bands — use this for England, Wales, NI only. Results are approximate; ignores pensions, student loans, benefits, etc.
Example: £45,000 gross annual → Personal Allowance £12,570 → Taxable £32,430 → Tax ≈ £6,486 (20%) + NI ≈ £2,678 → Net ≈ £35,836 annual / £2,986 monthly.
Always check with HMRC, your payslip, or a tax advisor. This is not official advice.
Frequently Asked Questions
Tax year 2025/2026 (6 April 2025 – 5 April 2026). Personal Allowance £12,570, frozen until at least 2028. Income Tax: 20% basic, 40% higher, 45% additional. NI: 8% main rate, 2% above upper limit.
This assumes no pension contributions, student loan repayments, salary sacrifice, benefits in kind, or other deductions. PAYE may average differently over the year.
No — Scotland has separate income tax bands (e.g., starter 19%, intermediate 21%, etc.). Use a Scotland-specific calculator if applicable.
If gross income > £100,000, Personal Allowance reduces by £1 for every £2 over £100,000 (fully gone at £125,140). This is included in the calculation.
Quick Guide to UK Salary & Tax
Overview
UK income tax is progressive; most people pay 20% on main earnings. National Insurance funds state benefits/pensions. PAYE deducts automatically.
Tips
Check your tax code (usually 1257L). Use HMRC’s Personal Tax Account. Consider pension contributions to reduce tax/NI.
Limitations
Excludes student loans, pensions/auto-enrolment, child benefit charge, marriage allowance, Scotland rates, self-employment, etc. Estimates only.