UK Salary Take-Home Calculator
Calculate your net pay after income tax and National Insurance — 2025/26 and 2024/25 tax years supported.
How the UK take-home pay calculator works
Enter your gross salary — the amount before any deductions — select how often you're paid, and choose the tax year. The calculator works out your income tax and National Insurance contributions, applies your personal allowance, and shows you exactly how much you take home each year and each month.
If you pay into a pension, enter the percentage you contribute. Choose salary sacrifice if your employer runs the pension as a salary sacrifice arrangement (this reduces both income tax and NI, making it more tax-efficient than a standard employee contribution).
2025/26 income tax bands — England, Wales & Northern Ireland
The personal allowance is gradually withdrawn for earnings over £100,000 — it reduces by £1 for every £2 earned above that threshold, reaching £0 at £125,140. Scotland uses different income tax bands and rates; this calculator covers England, Wales, and Northern Ireland only.
2025/26 National Insurance rates (employee)
Employees pay Class 1 National Insurance on earnings between the Primary Threshold (£12,570) and the Upper Earnings Limit (£50,270) at 8%, and 2% on any earnings above £50,270. Earnings below the Primary Threshold attract no NI contributions.
Frequently asked questions
What is the difference between gross and net salary?
Your gross salary is what your employer agrees to pay you before any deductions. Your net salary (take-home pay) is what lands in your bank account after income tax, National Insurance, pension contributions, and any other deductions are taken off.
What is the personal allowance?
The personal allowance is the amount of income you can earn each year without paying any income tax. For 2025/26 it is £12,570. If you earn more than £100,000, your personal allowance is gradually reduced — and eliminated entirely at £125,140.
What is salary sacrifice and how does it save tax?
With a salary sacrifice pension arrangement, your employer reduces your contractual gross salary by your pension contribution amount. Because your gross salary is lower, you pay income tax and National Insurance on a smaller figure — saving you NI on top of the usual income tax relief. Most workplace pension schemes now operate as salary sacrifice.
Does this calculator cover Scotland?
No. Scotland has its own income tax bands set by the Scottish Parliament, with different rates and thresholds. This calculator uses the England, Wales, and Northern Ireland rates only. National Insurance is the same across the whole UK.
Are the figures exact?
The figures are accurate for straightforward employment income using HMRC's published rates and thresholds. They do not account for benefits-in-kind, the marriage allowance, blind person's allowance, or other adjustments that HMRC applies through your tax code. For a definitive figure, use HMRC's own tools or consult a tax adviser.