Take Home Pay Calculator
UK salary after income tax & National Insurance — 2025/26
£
Your Take Home Pay — 2025/26
Gross salary—
Income Tax—
National Insurance—
Student Loan—
Pension—
Effective tax rate—
Annual take home—
Monthly
—
Weekly
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📅 Based on 2025/26 rates. Personal allowance: £12,570. Basic rate 20% to £50,270. Higher rate 40% to £125,140. Additional rate 45% above £125,140.
How is Take Home Pay Calculated?
Your take home pay (net pay) is your gross salary minus income tax, National Insurance contributions, any student loan repayments and pension contributions.
UK Income Tax Bands 2025/26
| Band | Taxable Income | Tax 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% |
National Insurance 2025/26
Employees pay 8% NI on earnings between £12,570 and £50,270, and 2% on earnings above £50,270. NI is separate from income tax and is calculated on your gross pay before pension deductions.
Student Loan Repayments
Student loan repayments are taken at 9% above your plan's threshold: Plan 1 (£24,990), Plan 2 (£27,295), Plan 4 Scotland (£31,395), Plan 5 (£25,000). Repayments are automatic through PAYE.
Pension Contributions
Pension contributions made under salary sacrifice reduce your taxable pay, saving income tax and National Insurance. The minimum auto-enrolment pension is 5% employee contribution (with 3% from your employer).