UK Take-Home Pay Calculator — Net Salary After Tax & NI
A simple UK take-home pay calculator for PAYE workers. Enter your gross salary to see what you actually take home after income tax, National Insurance, and pension. Use it right here in your browser — no sign-up needed.
2025–26 tax yearGet the App
The calculator works in your browser, but for a better experience download the app. Always on your device, works offline, and just a tap away when you need it.
How It Works
The calculator uses HMRC 2025–26 rates for income tax, National Insurance, and pension (salary sacrifice) to work out what actually lands in your bank account each month.
Let’s walk through a sample salary of £55,000 to see how each item is taken off, step by step.
Gross Income
Your total salary before any deductions. This is the number on your contract, not what hits your bank account.
Pension Contributions
If you make pension payments through salary sacrifice, these reduce your gross pay before income tax is worked out. A 2% pension on £55k saves you more than 2% in take-home.
Taxable Income & Personal Allowance
What remains after pension. Everyone gets £12,570 of tax-free income — your personal allowance. It passes straight through to your take-home pay without any tax applied.
Income Tax
Applied in bands. The first £37,700 of taxable income above your allowance is taxed at the basic rate (20%). Anything above that crosses into higher rate territory (40%). Only the portion above each threshold is taxed at the higher rate.
National Insurance
A separate charge from income tax, with different thresholds. 8% on earnings between £12,570 and £50,270, then 2% above that. Funds state benefits like the State Pension.
Take-Home Pay
After income tax, National Insurance, and pension are deducted, this is what arrives in your account. On £55k, that’s roughly 76p of every pound earned ie. the effective rate of tax here is 26%.
Assumes: England, Wales, or Northern Ireland tax rates (not Scotland). Single PAYE job. No student loan. NET pay pension (pension reduces tax but not NI). Standard tax code 1257L. No extra taxable benefits.
Check your result against a recent payslip or P60.
For illustrative purposes only. Not financial advice.
What the Calculator Covers
- Tax Regions
- England, Wales & Northern Ireland (standard HMRC bands) and Scotland (own starter, basic, intermediate, higher, advanced, and top rate bands).
- Tax Years
- 2023–24 through 2025–26. Thresholds and rates are updated for each year.
- Tax Codes
- Custom HMRC tax code input or the default 1257L. Adjusts your personal allowance automatically.
- Income Input Modes
- Annual salary, part-time FTE with adjustable percentage, or hourly rate with weekly hours.
- Bonuses
- Fixed amount or percentage of gross salary, added to annual income before deductions.
- Overtime
- Weekly hours with a pay multiplier (e.g. 1.5×) or a fixed annual amount. Available in hourly input mode.
- Pension Schemes
- Auto-enrolment, salary sacrifice, NET pay arrangement, personal pension, and NHS pension (tiered contribution rates based on salary band).
- Student Loans
- Plan 1, 2, 4, 5, and Postgraduate Loan. Each with its own repayment threshold and rate.
- National Insurance
- Employee NI contributions with correct thresholds and rates for each supported tax year.
Related
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