UK Salary Calculator 2025/26
Payroll Details
MONTHLY NET PAY
£0.00
vs 2024: £0
| Breakdown | Yearly | Monthly | Weekly |
|---|
Figures are estimates based on HMRC thresholds. Payroll rounding, tax codes, and employer-specific rules may cause differences.
Sole Trader
Sole traders pay Income Tax plus Class 2 and Class 4 National Insurance on their profits, rather than on a salary.
NET PROFIT
£0.00
Estimates based on statutory Sole Trader rates for the selected tax year.
Current (A)
New (B)
KEEP RATE
0%
Pension Analysis
EFFECTIVE RELIEF
20%
Estimated effective relief based on your marginal tax and NI rate.
📅 Your Tax Year Timeline
Life Event Modeller
ESTIMATED ANNUAL NET
£0.00
Calculations are based on statutory pay only. Employer-enhanced maternity, paternity or shared parental pay is not included.
Frequently Asked Questions
What is a UK Salary Calculator?
A UK salary calculator is an online tool that estimates your take-home pay after deductions like Income Tax, National Insurance, pension contributions and student loan repayments.
How does the salary calculator work?
The calculator applies the selected tax year rules to your inputs. It estimates Income Tax based on your region, applies NI thresholds and rates, and optionally includes student loan and pension impacts.
Why can the result differ from my payslip?
Payslips may include employer-specific rounding, mid-year adjustments, different tax codes, benefits-in-kind, bonus timing, or other payroll items. This tool is designed for estimation using published rules.
Is my data stored when I use the calculator?
No. Calculations run locally in your browser. There is no server-side storage of your inputs.
Does salary sacrifice reduce tax and National Insurance?
Usually yes. Salary sacrifice reduces the salary you’re taxed on and can reduce National Insurance too. Exact savings depend on your salary, NI category, and your employer’s pension setup.
Which student loan plan should I choose?
Select the plan linked to your course and where you lived when you applied. If you’re unsure, check your Student Loans Company account or your payslip (it often shows the plan), then select the matching option here.
Does this calculator include Scotland tax bands?
Yes. Choose “Scotland” in the region selector to apply Scottish Income Tax rates and bands.
Can I use this calculator for bonuses or irregular pay?
You can, but treat the output as an estimate. Real payroll may adjust tax cumulatively across the year depending on how and when the bonus is paid and your tax code at the time.
Does pension type matter?
Yes. “Relief at Source”, “Net Pay”, and “Salary Sacrifice” can affect whether you save Income Tax only or both Income Tax and NI. Use the Pension Insights tab to see the difference.
Popular Salary Scenarios
Open the calculator with a common salary prefilled:
Tip: you can still type “£” in inputs. The calculator will clean it automatically.
How your pay is calculated
Calculator Features & Guides
Sole Trader Tax Calculator
If you are self-employed, use the Sole Trader calculator to estimate Income Tax plus Class 2 and Class 4 National Insurance on profits.
Pension Tax Relief
Compare Salary Sacrifice vs Net Pay arrangements and see potential National Insurance savings.
Compare Salaries
Compare two salaries and see the true take-home difference after deductions, including student loans.
Maternity & Part-Time Pay
Model the impact of life events like statutory maternity or reducing your hours.
The explanations below are based on the selected tax year rules applied to your salary inputs.
Income Tax Explained (UK 2025/26)
Income Tax is paid on earnings above your Personal Allowance. For most people, the Personal Allowance is £12,570.
Tax Bands and Rates
In England and Wales (and Northern Ireland), Income Tax is charged at:
- Basic rate (20%) on income above the allowance up to the basic limit.
- Higher rate (40%) above that.
- Additional rate (45%) at the top band.
High earners: the Personal Allowance reduces once adjusted net income exceeds £100,000.
If you live in Scotland, rates and bands differ. Select “Scotland” in the calculator.
Student Loan Repayments Explained
Student loan repayments are calculated as a percentage of earnings above a threshold. If you earn below the threshold, repayments are £0.
Repayment Thresholds (2025/26)
- Plan 1: 9% above £26,065
- Plan 2: 9% above £28,470
- Plan 4: 9% above £32,745
- Plan 5: shown only if you add 2026/27 rules
- Postgraduate: 6% above £21,000
Repayments for employees are typically taken via PAYE.
Salary Sacrifice & Pension Contributions Explained
Salary Sacrifice reduces your taxable salary by contributing an agreed amount into your pension instead of paying it as cash salary.
Why it can save money
- You usually pay less Income Tax because taxable pay is lower.
- You usually pay less National Insurance because NI-able earnings are lower.
- Some employers share their NI saving as extra pension contribution.
Use the Pension Insights tab to see estimated effective relief based on your situation.
About This Calculator
This tool is designed to provide quick estimates of UK take-home pay. It runs entirely in your browser using JavaScript, meaning no personal data is stored or transmitted.
All calculations use published thresholds and rules for the selected tax year.
Last updated: December 2025
Disclaimer: Results are estimates for illustration only. Actual pay may vary due to payroll rounding, tax code adjustments, benefits, or irregular pay patterns.