UK PAYE Take-Home Pay Calculator
Estimate your net UK salary after Income Tax, National Insurance, pension and student loan, per year, month and week.
Tax-year figures (2025/26 defaults – editable)
These default to the 2025/26 tax year for England & Northern Ireland. Rates and thresholds change every April – please verify current HMRC thresholds before relying on any figure.
Frequently asked questions
Is this UK take-home pay figure exact?
No, it is an estimate. It applies the standard tax code and the tax-year figures you see (which you can edit), and it annualises National Insurance rather than working period by period. It does not account for benefits in kind, a non-standard tax code, marriage allowance, taxable benefits or one-off bonuses. Always check your payslip and current HMRC thresholds for exact figures.
Does this calculator work for Scotland?
The Income Tax bands used here are for England, Wales and Northern Ireland. Scotland sets its own income tax bands and rates (starter, basic, intermediate, higher, advanced and top rates), so Scottish taxpayers will get a different Income Tax figure. National Insurance and student loan rules are the same across the whole UK, so those parts still apply.
How does a salary sacrifice pension affect my take-home pay?
A salary sacrifice pension contribution is deducted from your gross salary before Income Tax and National Insurance are calculated, so it reduces both. It also lowers your adjusted income, which can restore part of the personal allowance if you earn over £100,000. The contribution itself leaves your take-home pay but goes into your pension pot rather than to HMRC.