UK Take-Home Pay Calculator
Work out your UK take-home pay for 2025/26 after income tax and National Insurance.
How to use the Take-Home Pay
- 01
Enter your gross annual salary in GBP.
- 02
Choose where you live, England, Wales and NI or Scotland, and pick a student loan plan if you have one.
- 03
See your take-home per month and per year instantly, with income tax, National Insurance, and any student loan broken out.
How the calculator works
This calculator turns a gross salary into your take-home pay per month and per year. It applies the official 2025/26 HMRC rates for income tax and National Insurance.
Everything runs in your browser and no data is sent to any server.
Rates, regions and student loans
Unlike basic take-home tools, it includes a region toggle for the full Scottish income tax bands, the 100k Personal Allowance taper, and all five student loan plans.
You choose England, Wales and NI or Scotland, and add a student loan plan so the deductions match your situation.
Reading your result
The result breaks out income tax, employee National Insurance, any student loan repayment, your total deductions, the Personal Allowance, and your effective rate, so you can see how the net figure is built.
Estimate, not tax advice
This is an estimate and not tax advice. Your exact take-home pay can differ from the official figures, so treat the result as a guide rather than a final number.
Frequently asked questions
How is UK take-home pay calculated for 2025/26?
Your gross salary is reduced by income tax, employee National Insurance, and any student loan repayment. Income tax applies the Personal Allowance of 12,570 GBP, then 20% to 50,270 GBP, 40% to 125,140 GBP, and 45% above (different bands apply in Scotland). National Insurance is 8% on earnings between 12,570 and 50,270 GBP and 2% above. What is left is your take-home pay.
How are the Scottish income tax bands different?
Scotland sets its own income tax bands for earned income. For 2025/26 there are six rates: a 19% starter rate, 20% basic, 21% intermediate, 42% higher, 45% advanced, and a 48% top rate. Choose Scotland in the calculator to apply them. National Insurance is the same across the whole UK.
What is the 100k tax trap?
Once your income passes 100,000 GBP, your Personal Allowance is reduced by 1 GBP for every 2 GBP of income above that, and it disappears entirely at 125,140 GBP. Losing the allowance means a slice of income between 100,000 and 125,140 GBP is effectively taxed at around 60%. The calculator applies this taper automatically.
Which student loan plans are included?
Plan 1, Plan 2, Plan 4 (Scotland), and Plan 5 all repay 9% of income above their threshold, and the Postgraduate Loan repays 6%. Choose your plan to add the repayment to your deductions. The 2025/26 thresholds range from 21,000 GBP for the Postgraduate Loan to 32,745 GBP for Plan 4.
Does this give my exact take-home pay?
No, it is an estimate. It assumes a standard tax code with the full Personal Allowance and no pension salary sacrifice, benefits in kind, or other income. Your payslip may differ. Not tax advice.
Sources
This tool is for general information only and is not financial, tax, or legal advice. Results are estimates that depend on your situation and current rules, so check the official source or a qualified professional before you act.
Learn more
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