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UK Money Tools›Take-Home Pay Calculator
Updated for 2025/26 Tax Year

UK Take-Home Pay
Calculator

See exactly what lands in your bank account after income tax, National Insurance and student loan repayments — instantly, no signup needed.

Your Details

2025 / 26
£
Blind Person's Allowance
Adds £3,070 to your personal allowance
Marriage Allowance
Receiving transferred allowance from partner
💷

Your results appear here

Enter your salary and tap calculate

YOUR NET TAKE-HOME PAY
£0
PER YEAR AFTER TAX
Gross SalaryBefore any deductions
£0
Income Tax2025/26 HMRC rates
−£0
National InsuranceEmployee Class 1
−£0
Effective tax rate (income tax + NI)0%
Take-Home Pay£0
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How It Works

1

Enter Your Gross Salary

Your salary before any deductions — as shown on your contract or payslip.

2

We Apply 2025/26 Tax Bands

20% basic rate, 40% higher rate and 45% additional rate using HMRC's current thresholds.

3

NI Is Calculated

8% on earnings between £12,570–£50,270 and 2% above that threshold.

4

See Your Exact Net Pay

Take-home broken down annually, monthly, weekly and daily all in one view.

Frequently Asked Questions

How much income tax do I pay on my UK salary in 2025/26?
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In 2025/26 the first £12,570 is tax-free (your personal allowance). You pay 20% on earnings between £12,570 and £50,270, 40% between £50,270 and £125,140, and 45% above that.
What is the personal allowance for 2025/26?
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The standard personal allowance is £12,570 — frozen until at least April 2028. It reduces by £1 for every £2 earned above £100,000 and disappears entirely at £125,140.
How much National Insurance do I pay in 2025/26?
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Employees pay 8% NI on earnings between £12,570 and £50,270 and 2% on everything above £50,270. These rates are unchanged from 2024/25.
Does my pension contribution reduce my tax bill?
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Yes. Workplace pension contributions are usually made before tax, reducing your taxable income. A 5% contribution on a £40,000 salary saves approximately £400 per year for a basic rate taxpayer.
How does student loan repayment affect my take-home pay?
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Plan 2 (most common for post-2012 graduates) deducts 9% of earnings above £27,295. On a £35,000 salary that is approximately £695 per year — around £58 per month taken automatically.
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