See exactly what you'll take home after income tax, National Insurance, student loan and pension deductions.
Your take home pay is your gross salary minus all mandatory deductions. In the UK, these deductions include Income Tax, National Insurance contributions (NICs), and any applicable student loan repayments or pension contributions.
The calculations on this page use HMRC's rates and thresholds for the 2025/26 tax year (6 April 2025 to 5 April 2026).
Income tax in England, Wales, and Northern Ireland is calculated using the following bands. Scotland has different rates — this calculator uses the rUK (rest of UK) bands:
| Band | Taxable Income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic Rate | £12,571 – £50,270 | 20% |
| Higher Rate | £50,271 – £125,140 | 40% |
| Additional Rate | Over £125,140 | 45% |
Class 1 National Insurance contributions for employees are calculated as follows:
| Earnings | Rate |
|---|---|
| Up to £12,570 (Primary Threshold) | 0% |
| £12,570 – £50,270 | 8% |
| Over £50,270 | 2% |
Student loan repayments are deducted from your salary once you earn above the threshold for your plan type. The rate is applied to earnings above the threshold only:
| Plan | Threshold | Rate |
|---|---|---|
| Plan 1 | £24,990/year | 9% |
| Plan 2 | £27,295/year | 9% |
| Plan 4 | £31,395/year | 9% |
| Plan 5 | £25,000/year | 9% |
| Postgraduate | £21,000/year | 6% |
The standard personal allowance is £12,570. This is the amount you can earn before paying income tax. If you earn over £100,000, your personal allowance is reduced by £1 for every £2 earned above £100,000.
This calculator uses the official HMRC tax rates and thresholds for 2025/26. It provides a close estimate of your take home pay for a standard employment situation. Your actual pay may differ slightly due to factors like benefits in kind, bonus payments, or other adjustments your employer applies.
No. This calculator shows only employee deductions — the amounts taken from your pay. Employer NI is an additional cost paid by your employer on top of your salary.
Use our other free UK tax calculators:
Self-Employed Tax Calculator → — Calculate your tax if you're a sole trader or freelancer, including Class 2 and Class 4 National Insurance.
Dividend Tax Calculator → — See how much tax you'll pay on dividends, including the £500 tax-free allowance.
Quick reference pages showing the exact take home pay for common UK salaries:
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