UK Salary Calculator
Calculate your take-home pay instantly. See exactly how much you'll earn after Income Tax, National Insurance, Student Loans, and Pension contributions.
Your Income
Enter your salary details for 2025/26
Salary sacrifice reduces taxable income
Take Home Pay
£0.00/year
- Gross Income£0.00
- Taxable Income£0.00
- Income Tax-£0.00
- National Insurance-£0.00
- Total Deductions-£0.00
0.0%
Effective Rate
0%
Marginal Rate
UK Income Tax Bands 2025/26
Learn more about UK tax bands and National Insurance rates
Personal Allowance
0%£0 - £12,570
The amount you can earn tax-free (£12,570 in 2025/26). This reduces by £1 for every £2 you earn over £100,000.
Basic Rate
20%£12,571 - £50,270
Income between £12,571 and £50,270 is taxed at the basic rate.
Higher Rate
40%£50,271 - £125,140
Income between £50,271 and £125,140 is taxed at the higher rate.
Additional Rate
45%Over £125,140
Income over £125,140 is taxed at the additional rate.
Frequently Asked Questions
How is UK income tax calculated in 2025/26?
UK income tax is calculated in bands. You get a tax-free Personal Allowance of £12,570. Income from £12,571 to £50,270 is taxed at 20% (Basic Rate), £50,271 to £125,140 at 40% (Higher Rate), and anything above £125,140 at 45% (Additional Rate).
What is the National Insurance rate for 2025/26?
For 2025/26, employees pay 8% National Insurance on earnings between £12,570 and £50,270 per year, and 2% on earnings above £50,270. There's no NI on the first £12,570 (Primary Threshold).
How does pension contribution affect my take-home pay?
Pension contributions through salary sacrifice reduce your taxable income, meaning you pay less Income Tax and National Insurance. A 5% pension contribution on a £50,000 salary saves approximately £750 in tax per year.
When does the Personal Allowance reduce?
If you earn over £100,000, your Personal Allowance reduces by £1 for every £2 you earn above this threshold. This means if you earn £125,140 or more, you lose your entire Personal Allowance. This creates an effective 60% tax rate between £100,000 and £125,140.
What is the difference between gross and net salary?
Gross salary is your total pay before any deductions. Net salary (take-home pay) is what you receive after Income Tax, National Insurance, pension contributions, and student loan repayments are deducted. Use our calculator to see the exact breakdown.
How do student loan repayments affect my salary?
Student loan repayments are deducted from your salary once you earn above the threshold. Plan 2 threshold is £28,470 (9% of income above). Plan 1 threshold is £26,065. These are deducted automatically through PAYE alongside tax and NI.
Have more questions? Check out our guides on tax bands, National Insurance, and student loans.