Salary After Tax Calculator
Calculate your take-home pay after income tax and national insurance or social security.
Rates & sources2025/26
UK income tax bands and National Insurance thresholds for 2025/26, as published by HMRC.
Source: HMRC — Income Tax rates and allowances — figures refreshed at the start of each tax year.
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Full 2025/26 tax summary as a PDF
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When to use this calculator
- Before accepting a pay change, bonus, pension contribution, or salary-sacrifice option.
- When you want to compare employed, self-employed, or dividend-based income scenarios.
- When you need a simple take-home estimate before running payroll or filing returns.
Example: turning a headline salary into take-home pay
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
Gross salary
£35,000
Estimated monthly net pay
£1,983
Pension contribution
5%
Student loan setting
No student loan applied
The real value here is seeing how the gap between gross and net pay changes the budget you can actually live on. That is often what makes a pay offer feel very different in practice.
How to read your results
Net Annual
Use this metric to compare scenarios side by side and understand how the key drivers affect the final outcome.
Monthly
Use this metric to compare scenarios side by side and understand how the key drivers affect the final outcome.
Tax
Review this figure alongside your gross income so you can understand the true cost of deductions.
NI
Use this metric to compare scenarios side by side and understand how the key drivers affect the final outcome.
Effective Rate
The effective rate helps you compare options on a like-for-like basis, not just by headline numbers.
Method & assumptionsAuthoritative sources
Enter your gross annual salary and the calculator applies the current UK Income Tax and National Insurance bands to estimate your take-home pay. It accounts for the standard Personal Allowance before applying the Basic and Higher Rate tax bands.
If you have a student loan, select the relevant plan: Plan 1 deductions apply if you started university before September 2012, Plan 2 applies for later starters in England and Wales. The appropriate repayment threshold and rate is then deducted from your estimated monthly take-home pay.
This calculator uses the most recently published HMRC tax rates. It is designed for employees with straightforward tax affairs; self-employed individuals should consult a qualified accountant.
Common mistakes
- !Entering gross income when you really want take-home pay, or vice versa.
- !Ignoring pension contributions, deductions, or local tax rules that change the result.
- !Comparing monthly and annual figures without standardising them first.
What to do next
- Check the same scenario with related pay or deduction calculators to see the full picture.
- Keep a copy of the assumptions you used so you can compare next tax year or pay period accurately.
- Read the related guides below if you are choosing between multiple income or deduction options.
Go deeper — 4 guides reference this calculator
- 9m
UK Tax Year 2025/26: Complete Guide to Allowances, Bands & Thresholds
Full reference for the 2025/26 UK tax year — income tax bands, Personal Allowance, National Insurance, ISA allowance, pension limits, stamp duty changes.
- 10m
UK Self-Employed Tax Guide: Self Assessment, Payments on Account, Allowable Expenses
How self-employed tax works in the UK — registering with HMRC, the Self Assessment deadline, payments on account, what you can claim, and Class 2/4 NI.
- 6m
Scotland Income Tax 2025/26: Six-Band Guide + Rates vs England
Scottish Income Tax for 2025/26 — all six bands from 19% starter to 48% top rate, who qualifies as a Scottish taxpayer, and how the gap vs England grows with income.
- 7m
UK Tax Year 2026/27: Confirmed Rates, Upcoming Changes, Planning Checklist
What’s confirmed for the 2026/27 UK tax year, what’s changing (MTD for Self Assessment, IHT on pensions), and the allowances to lock in before 5 April 2026.
Frequently asked
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