Find out exactly how much you take home after Income Tax, National Insurance and Student Loan deductions — using verified HMRC rates for the 2025/26 tax year.
✓ 2025/26 HMRC rates✓ Includes NI & Student Loan✓ Pension calculator
Last updated: April 2026 · Rates verified against gov.uk
£
Take-home pay
£0
0% of gross
Gross salary
£0
per month
Income tax
£0
effective rate
National Insurance
£0
effective rate
Where your salary goes
Take-home
Income tax
NI
Other
Annual breakdown
Gross salary
Pension
Personal allowance
Taxable income
Income tax
National Insurance
Student loan
Take-home pay
Estimates based on 2025/26 HMRC rates for England, Wales and Northern Ireland. Scottish taxpayers pay different Income Tax rates. Not financial advice.
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How is UK take-home pay calculated?
Your take-home pay (net pay) is your gross salary minus Income Tax, National Insurance Contributions, and any other deductions such as student loan repayments or pension contributions. The 2025/26 personal allowance is £12,570 — the amount you can earn before paying Income Tax.
2025/26 Income Tax bands (England, Wales & Northern Ireland)
Band
Income
Rate
Personal Allowance
Up to £12,570
0%
Basic rate
£12,571 – £50,270
20%
Higher rate
£50,271 – £125,140
40%
Additional rate
Over £125,140
45%
National Insurance 2025/26
Employees pay Class 1 NI at 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270.
The standard tax code is 1257L, giving a personal allowance of £12,570. You can find your tax code on your payslip or in your HMRC online account.
What's the difference between gross and net pay?
Gross pay is your salary before deductions. Net pay (take-home) is what you receive after Income Tax, National Insurance, and any other deductions.
Does this calculator work for Scottish taxpayers?
No — Scotland has separate Income Tax rates set by the Scottish Parliament. This calculator uses England, Wales and Northern Ireland rates. Scottish taxpayers should refer to the calculator on gov.uk.