Calculate your actual net salary after tax, National Insurance, pension, and student loan deductions.
Perfect for UK workers planning a budget, comparing job offers, or understanding their payslip. Get accurate 2025-26 tax year calculations instantly.
Take-Home Pay Calculator is a free online tool that helps UK workers understand exactly how much money they'll receive in their bank account after all deductions from their gross salary.
Accuracy: This calculator uses official UK tax rates and thresholds for the 2025-26 tax year. All calculations happen in your browser - we don't store or see your salary information.
This calculator uses official UK tax rates and thresholds for the 2025-26 tax year to give you an accurate picture of your take-home pay.
Understanding how your salary is taxed helps you make informed financial decisions. Here are the current UK income tax rates:
As an employee, you also pay National Insurance on your earnings:
This is your total salary before any deductions. It's what's stated in your employment contract.
Most employers offer workplace pensions. Your contribution is taken from your gross salary before tax, which means you get tax relief automatically. For example:
Student loan repayments are calculated as 9% of earnings above your plan's threshold:
This is what lands in your bank account after all deductions. It's your net salary.
Your first month's pay might be lower if you start mid-month, or higher if you're on emergency tax and get a rebate later. Tax codes can take time to update.
Your tax code tells your employer how much tax-free income you get. The most common is 1257L for 2025-26, which gives you the full £12,570 personal allowance.
Legally, yes! The most common ways are:
Your personal allowance applies to your main job only. Second jobs are usually taxed at 20% from the first pound (tax code BR).
Yes, overtime is taxed the same as your regular salary. You might notice higher deductions on months with overtime because you've moved into a higher tax band for that month.