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UK Take Home Pay Calculator

Calculate your UK take home pay after income tax, National Insurance, pension, and student loan deductions.

Salary details

£
%

Net annual salary

£30,719.60

Net monthly

£2,559.97

Net weekly

£590.76

Annual pay breakdown

  • Take-home pay£30,719.6076.8%
  • Total deductions£9,280.4023.2%

Annual deductions

Income tax£5,086.00
National Insurance£2,194.40
Pension£2,000.00
Effective deduction rate23.2%
Income tax bands, personal allowance, National Insurance thresholds, and student loan plans reflect the 2025/26 UK tax year. Actual payslips may differ based on tax code, benefits in kind, and employer payroll settings.
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How to estimate UK take-home pay for 2025/26

UK take-home pay is your gross salary minus Income Tax, employee National Insurance (NI), pension contributions, and student loan repayments. This calculator estimates net annual, monthly, and weekly pay using HMRC thresholds for tax year 2025/26, covering England, Wales, Northern Ireland, and Scotland tax regions.

Income Tax and NI are calculated separately. For a detailed NI breakdown, use the National Insurance UK calculator. To compare gross and net across pay frequencies, try the salary calculator. U.S. workers can compare with the take-home paycheck calculator or the income tax calculator for federal brackets.

What gets deducted from a UK payslip

A typical UK employee payslip includes these deductions:

  • Income Tax: 20% basic rate on earnings between the Personal Allowance (£12,570) and £50,270, 40% higher rate up to £125,140, and 45% additional rate above that for England, Wales, and Northern Ireland.
  • National Insurance: 8% on earnings between £12,570 and £50,270, plus 2% on earnings above £50,270. Use the National Insurance UK calculator for a standalone NI estimate.
  • Pension contributions: Workplace pension deductions reduce Income Tax but NI is calculated on gross pay before pension.
  • Student loan repayments: Plan 1, Plan 2, Plan 4, Plan 5, or postgraduate loan repayments apply above plan-specific thresholds when selected.

UK net pay formula

Net annual pay for England, Wales, and Northern Ireland (rUK) follows:

Net Pay=Gross−Income Tax−NI−Pension−Student Loan\text{Net Pay} = \text{Gross} - \text{Income Tax} - \text{NI} - \text{Pension} - \text{Student Loan}

Taxable income for Income Tax is:

Taxable Income=max⁡ ⁣(0, Gross−Pension−Personal Allowance)\text{Taxable Income} = \max\!\left(0,\ \text{Gross} - \text{Pension} - \text{Personal Allowance}\right)

The Personal Allowance of £12,570 is reduced by £1 for every £2 of income above £100,000. Scotland uses different Income Tax bands, which you can select in the calculator.

Worked example: £40,000 salary, 5% pension, rUK, no student loan

Consider an employee in England earning £40,000 per year with 5% pension contributions, no student loan, and the full Personal Allowance:

  1. Pension contribution: £40,000 x 5% = £2,000.00
  2. Taxable income for Income Tax: £40,000 - £2,000 - £12,570 = £25,430
  3. Income Tax: £25,430 x 20% = £5,086.00
  4. National Insurance: (£40,000 - £12,570) x 8% = £2,194.40
  5. Student loan: £0.00
  6. Net annual pay: £30,719.60 (£2,559.97 per month, £591.15 per week)

NI is calculated on gross pay before pension, which is why it uses £40,000 rather than £38,000. Adding a Plan 2 student loan would deduct 9% on earnings above £27,295. For capital gains outside employment income, see the UK capital gains tax calculator.

Frequently asked questions

Which tax year does this calculator use?
Income Tax bands, the Personal Allowance, National Insurance thresholds, and student loan repayment thresholds follow tax year 2025/26.
What is the difference between rUK and Scotland?
England, Wales, and Northern Ireland share the same Income Tax bands (20%, 40%, 45%). Scotland uses its own band structure with rates from 19% to 48%. Select your region in the calculator.
Is pension deducted before or after tax?
Workplace pension contributions through PAYE reduce Income Tax but National Insurance is calculated on gross pay before pension. This calculator models that standard PAYE treatment.
How do student loan repayments work?
Each plan has a repayment threshold and a percentage rate. Repayments apply only to earnings above the threshold. You can select Plan 1, Plan 2, Plan 4, Plan 5, postgraduate, or none.
Does this include employer NI or pension contributions?
No. This tool estimates employee deductions only. Employer National Insurance and employer pension contributions are not part of take-home pay.
Are the results stored on a server?
No. All math runs in your browser. Changing inputs updates the page URL so you can share your scenario.

Resources and references

The formulas and methods in this calculator were checked against these independent sources.