UK Take-Home Pay Calculator 2025/26
See exactly how much salary you keep after income tax and National Insurance, using the 2025/26 HMRC bands. Switch to Scottish rates if you live in Scotland.
Annual take-home pay
£39,519.60
- Monthly take-home
- £3,293.30
- Income tax
- £7,486.00
- National Insurance
- £2,994.40
- Personal allowance applied
- £12,570.00
Based on 2025/26 HMRC rates. Assumes a standard tax code (1257L), no pension contributions, and no student loan deductions. Switch the region selector to Scotland for Scottish Income Tax bands; National Insurance is the same UK-wide.
How to use this calculator
Enter your gross annual salary — that is the figure on your contract, before tax and NI are taken off. Pick the region: rUK for England, Wales or Northern Ireland, or Scotland for Scottish Income Tax bands. The calculator returns annual and monthly take-home, plus the income tax and NI it had to deduct to get there.
How the calculation works
For 2025/26, HMRC gives you a £12,570 personal allowance, then taxes the rest in bands: 20% / 40% / 45% in rUK, or six Scottish bands from 19% to 48%. Above £100,000 the allowance tapers off at £1 per £2 earned and disappears entirely at £125,140. National Insurance is the same UK-wide: 8% between £12,570 and £50,270, then 2% above. Take-home is gross salary minus income tax minus NI.
Worked example
Salary £50,000, England. Personal allowance £12,570 leaves £37,430 of taxable income — all in the basic-rate band (which runs up to £50,270). Income tax = £37,430 × 20% = £7,486. NI = £37,430 × 8% = £2,994.40. Take-home = £50,000 − £7,486 − £2,994.40 = £39,519.60 a year, or £3,293.30 a month.
Frequently asked questions
Does this calculator include pension contributions or student loans?
No — it shows the simplest case: gross salary, income tax, NI, and net pay. Pension contributions (especially salary-sacrifice schemes) and Plan 1, 2, 4 or postgraduate student loan repayments will reduce your take-home further. We will add a more advanced version that handles these.
What tax code does the calculator assume?
It assumes the standard 2025/26 tax code 1257L, which gives you the full £12,570 personal allowance. If you have a non-standard tax code (because of benefits in kind, marriage allowance, prior year underpayments, or a second job), your actual take-home will differ. Check your latest payslip or tax-code notice for your real code.
Why does my take-home drop sharply just above £100,000?
The personal allowance tapers above £100,000 — you lose £1 of allowance for every £2 of income above the threshold. Between £100,000 and £125,140 your effective marginal rate is 60% (40% higher rate + 20% from losing the allowance) plus 2% NI, so it can feel punishing. Many higher earners use pension contributions to bring taxable income back below £100,000 and recover the allowance.
Are Scottish Income Tax rates really different?
Yes. Scotland sets its own non-savings, non-dividend income tax rates. For 2025/26 there are six Scottish bands (19% Starter, 20% Basic, 21% Intermediate, 42% Higher, 45% Advanced, 48% Top), against three in the rest of the UK. National Insurance, savings interest tax, and dividend tax stay the same UK-wide.
Why is my Class 1 NI 8% and not 12%?
The main NI rate was 12% in 2023/24, dropped to 10% in January 2024, then to 8% from 6 April 2024. The 8% rate continues for 2025/26 between £12,570 (primary threshold) and £50,270 (upper earnings limit). Above the UEL, NI is 2%.
Is take-home pay the same as net pay?
Effectively yes. Take-home pay = net pay = the amount that lands in your bank account after PAYE income tax and Class 1 employee NI have been deducted. If your employer also deducts pension contributions, season-ticket loans, or workplace benefits, your literal bank-account figure will be lower — this calculator only handles tax and NI.