Net Annual
£
Monthly
£
Tax
£4,486.00
NI
£1,794.40
Effective Rate
%
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.
- When you are approaching the £100,000 income level and want to understand the personal allowance taper effect.
- When you are planning a salary sacrifice arrangement and need to see the net pay impact before agreeing terms.
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 changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Monthly
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Tax
Review this figure alongside your gross income so you can understand the true cost of deductions and plan around any thresholds before the tax year closes. If the figure looks higher than expected, check whether any pension or gift-aid contributions could reduce your taxable income.
NI
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Effective Rate
The effective rate lets you compare options on a true like-for-like basis rather than being misled by different compounding periods or fee structures. Use it to cut through headline marketing rates when shortlisting providers or products.
Method & assumptionsAuthoritative sources
This calculator estimates your UK take-home pay by applying Income Tax and Class 1 National Insurance rates for the 2024/25 tax year. It assumes you receive the standard Personal Allowance of £12,570 and are employed under PAYE — it is not designed for the self-employed or those on non-standard codes. Pension contributions entered as a percentage are treated as salary sacrifice, reducing your gross before tax and NI are applied.
Student loan deductions are calculated using the official repayment thresholds for Plan 1, Plan 2, and Plan 4. The result is a monthly and annual estimate; your actual payslip may differ due to employer-specific benefits, bonus payments, or mid-year tax code changes. Always verify figures with HMRC or a qualified payroll professional.
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.
- !Overlooking the National Insurance threshold changes that apply mid-year when rates or bands are adjusted in a Budget.
- !Assuming a salary sacrifice benefit reduces take-home pay by the full gross amount, rather than only the after-tax cost.
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.
- If you are self-employed, run the self-employment tax calculator alongside this result to compare the net position against employed income.
- Check whether increasing your pension contribution by even one or two percent changes the take-home significantly — use the pension calculator next.
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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