UK Take Home Pay Calculator - How It Works
Our UK take home pay calculator and salary calculator UK is the most accurate way to calculate your take-home pay. This take home pay calculator automatically calculates income tax, National Insurance, student loan repayments, and pension contributions based on the latest HMRC 2025-2026 rates.
Whether you're searching for a salary calculator UK or a take home pay calculator, our calculator provides instant results for any salary amount. Simply enter your gross salary above to see your exact take-home pay breakdown.
Understanding UK Income Tax
The UK uses a progressive income tax system with three main tax bands. The tax year runs from April 6 to April 5. This UK tax calculator and take home pay calculator uses the latest HMRC rates.
2025-2026 Tax Brackets
- Personal Allowance: £12,570 (tax-free)
- £12,571 - £50,270: 20% (Basic rate)
- £50,271 - £125,140: 40% (Higher rate)
- £125,141 and above: 45% (Additional rate)
Note: Personal allowance is reduced by £1 for every £2 earned above £100,000.
National Insurance
National Insurance (NI) is a separate tax that funds state benefits. Class 1 NI rates:
- £12,570 - £50,270: 8%
- Above £50,270: 2%
Student Loan Repayments
If you have a student loan, repayments are calculated based on your plan:
- Plan 1: 9% above £22,015
- Plan 2: 9% above £27,295
- Plan 4: 9% above £27,660
- Postgraduate: 6% above £21,000
About This UK Tax Calculator
Disclaimer: This calculator provides estimates based on the latest published tax rates from HM Revenue & Customs (HMRC). For official tax advice, consult the HMRC website or a qualified tax professional.