Take‑Home
See what you actually take home.
A fast, modern UK salary calculator for the 2025/26 tax year. Updates instantly as you type — no sign up, no fluff.
Your details
Tell us about your salary
£
Enter your annual salary before deductions.
%
Net monthly pay
£2,858.30
£34,300 / year£659.61 / week
Breakdown (annual)
- Gross salary
- £45,000
- Pension contribution
- − £2,250
- Income tax
- − £6,036
- National Insurance
- − £2,414
- Take-home pay
- £34,300
Estimates for the rest of UK (excl. Scotland) using a standard tax code, salary-sacrifice pension and PAYE NI. Not financial advice.
How this calculator works
Plain-English answers to the questions people most often ask about UK take-home pay. Updated for the 2025/26 tax year.
- How is UK take-home pay calculated for 2025/26?
- Take-home pay is your gross salary minus Income Tax, National Insurance (Class 1 employee), any pension contribution and any student loan repayment. For 2025/26 the personal allowance is £12,570, then 20% Income Tax up to £50,270, 40% up to £125,140, and 45% above. National Insurance is 8% between £12,570 and £50,270 and 2% on earnings above £50,270.
- What is the personal allowance for 2025/26?
- The standard personal allowance is £12,570. It is reduced by £1 for every £2 of adjusted net income over £100,000, and is fully withdrawn once income reaches £125,140.
- How much National Insurance do employees pay in 2025/26?
- Employees pay Class 1 National Insurance at 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270. There is no NI on earnings below the primary threshold of £12,570.
- What are the UK student loan repayment thresholds for 2025/26?
- Plan 1 starts at £26,065, Plan 2 at £28,470, Plan 4 (Scotland) at £32,745, Plan 5 at £25,000, all repaid at 9% of income above the threshold. Postgraduate loans start at £21,000 and are repaid at 6%.
- How does a pension contribution affect take-home pay?
- This calculator treats workplace pension contributions as salary sacrifice: the contribution is taken from gross pay before Income Tax and National Insurance are calculated, so it reduces both your tax bill and your NI as well as your take-home pay.
- Does this calculator use Scottish income tax bands?
- No. It uses the rest-of-UK Income Tax bands (England, Wales and Northern Ireland). Scottish taxpayers pay different rates and bands set by the Scottish Government.
- Is this UK salary calculator free to use?
- Yes. It is free, requires no sign-up, runs entirely in your browser, and does not store your salary information.
2025/26 rates at a glance
Rest-of-UK Income Tax, employee National Insurance and student loan thresholds for the 2025/26 UK tax year (6 April 2025 to 5 April 2026).
Income Tax (rest of UK)
| Personal allowance | £0 – £12,570 | 0% |
| Basic rate | £12,571 – £50,270 | 20% |
| Higher rate | £50,271 – £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
National Insurance (Class 1, employee)
| Below primary threshold | Up to £12,570 | 0% |
| Main rate | £12,571 – £50,270 | 8% |
| Upper rate | Over £50,270 | 2% |
Student loan repayment thresholds
| Plan 1 | £26,065 | 9% |
| Plan 2 | £28,470 | 9% |
| Plan 4 (Scotland) | £32,745 | 9% |
| Plan 5 | £25,000 | 9% |
| Postgraduate Loan | £21,000 | 6% |
Sources: HMRC and the Student Loans Company, 2025/26 tax year. Reviewed by the Online Salary Calculator editorial team. Last updated 29 June 2026.