UK take-home pay calculator
Find out exactly what you'll take home after income tax, National Insurance, student loan, and pension deductions. Covers England, Wales, Scotland.
Your pay breakdown(per year)
Effective tax rate (all deductions): 22.9%
Where your pay goes
How is UK take-home pay calculated?
Your take-home pay is what remains after HMRC deductions from your gross salary. Most employees pay income tax through PAYE, Class 1 National Insurance on earnings above the primary threshold, and optional deductions such as pension contributions and student loan repayments. This calculator applies the standard UK bands for the tax year you select so you can see each line item clearly.
Income tax uses a personal allowance (currently £12,570 for 2025/26, tapered above £100,000) and then progressive bands — 20%, 40%, and 45% in England, Wales, and Northern Ireland. National Insurance is charged at 8% on earnings between £12,570 and £50,270, and 2% above that. Student loan repayments are a percentage of income above your plan threshold. Pension can be taken via salary sacrifice (before tax and NI) or relief at source (from net pay).
If you live in Scotland, tick the checkbox to use Scottish income tax bands, which include starter, basic, intermediate, higher, advanced, and top rates. Scottish taxpayers still pay UK National Insurance at the same rates. Once you know your net pay, try our monthly budget calculator to see what is left after rent and bills, or the mortgage amortisation calculator to model home-buying costs. Results here are estimates only and are not regulated financial advice.