UK Salary Take-Home Calculator
Enter your gross annual UK salary to see an estimate of your take-home pay after income tax and National Insurance. Uses simplified 2025/26 tax bands for a quick ballpark figure.
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Estimate only. Uses simplified 2025/26 England/Wales/NI bands and ignores student loans, pension contributions, salary sacrifice and Scottish rates. Always check with HMRC or a qualified accountant.
Frequently asked questions
Does this include student loan repayments?
No. This calculator only deducts income tax and Class 1 employee National Insurance. Student loan repayments, pension contributions and salary sacrifice will reduce your take-home further.
Does it work for Scottish taxpayers?
Not exactly. Scotland uses a different set of income tax bands. This calculator uses England, Wales and Northern Ireland rates. We will add a Scottish version soon.
Why is my personal allowance lower at high incomes?
HMRC reduces the £12,570 personal allowance by £1 for every £2 you earn over £100,000. The calculator applies this taper automatically.