UK Take Home Pay Calculator (2025/26)

Enter your annual gross salary, choose the tax year, and select the correct region. The calculator applies your tax code to estimate your personal allowance, then calculates taxable income and applies the Income Tax bands for your region. This creates the annual Income Tax figure used in your breakdown.

If your tax code starts with S or C, the calculator applies Scottish or Welsh rates automatically to keep the result aligned with your code.

National Insurance is calculated separately using the official Class 1 thresholds for the selected tax year. We then subtract Income Tax and National Insurance from your gross salary to estimate your net pay, showing annual, monthly, weekly, and daily figures alongside your effective tax rate.

This calculator includes the core UK deductions that apply to most PAYE employees. It uses your personal allowance (from your tax code), the Income Tax bands for England/Wales/NI or Scotland, and Class 1 National Insurance thresholds for the selected tax year.

It does not include student loan repayments, pension contributions, salary sacrifice, benefits in kind, childcare vouchers, or employer-specific deductions. If you have any of these, your actual take-home pay will be lower than this estimate.

Results assume standard employment with no other income sources and the standard tax code when you leave the tax code blank. Personal allowance tapering above £100,000 is not modelled. K codes are supported with a 50% cap on tax deducted, and W1/M1/X emergency indicators are treated as annualised estimates. The calculator uses 52 weeks and 260 working days for weekly and daily figures.

All calculations are rounded to the nearest penny internally and displayed as rounded currency figures. If your payslip uses different rounding or applies mid-year tax code changes, you may see small differences.

Example 1: A £30,000 gross salary in England/Wales/NI (standard 1257L tax code) produces about £3,486 Income Tax and £1,394 National Insurance, leaving an estimated net pay of roughly £25,120 per year (£2,093 per month).

Example 2: A £60,000 gross salary using Scotland bands results in approximately £13,214 Income Tax and £3,211 National Insurance, with net pay around £43,576 per year (£3,631 per month).

Example 3: A £90,000 gross salary in England/Wales/NI yields about £23,432 Income Tax and £3,811 National Insurance, leaving roughly £62,757 per year (£5,230 per month).