UK Take Home Salary Calculator

How It Works

Our take home pay calculator uk uses the latest HMRC tax rates for the 2025/26 tax year to estimate your take-home pay. Enter your gross salary, pension contributions, and student loan plan (if applicable). The calculator assumes the standard tax code (1257L) and accounts for:

• Personal Allowance: £12,570 (reduced by £1 for every £2 earned over £100,000)
• Income Tax: 20% (£12,570–£50,270), 40% (£50,271–£125,140), 45% (over £125,140)
• National Insurance: 8% (£12,570–£50,270), 2% (over £50,270)
• Student Loan: 9% on earnings above £22,015 (Plan 1) or £27,295 (Plan 2)

For complex tax situations, consult HMRC or an accountant. Learn more.