Tax year 2025/26 rules
UK Salary & Take-Home Pay Calculator
Calculate your estimated take-home pay after Income Tax, National Insurance, pension contributions and student loan repayments.
Your details
Scotland has its own Income Tax bands.
Advanced options
Latest verified tax year available.
NI category A (standard employee) is assumed.
Your estimated take-home pay
Tax year 2025/26| Gross pay | £35,000.00 |
|---|---|
| Income Tax | -£4,486.00 |
| National Insurance | -£1,794.40 |
| Total deductions | -£6,280.40 |
| Take-home pay | £28,719.60 |
- Effective deduction rate
- 17.9%
- Net pay as % of gross
- 82.1%
- Personal Allowance
- £12,570.00
This is an estimate based on a standard tax code (1257L / S1257L), NI category A and annual figures. Your payslip may differ because of your tax code, benefits in kind, cumulative payroll, pay timing or other circumstances. Not tax advice. How we calculate
Common salaries after tax
Select a salary to load it into the calculator with your current settings.
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How UK take-home pay is calculated
A plain-English walk through the deductions between your gross salary and the money that reaches your bank account.
Read guideSalary sacrifice, net pay and relief at source explained
How the three common workplace pension arrangements change your tax, National Insurance and take-home pay.
Read guideHow much of a pay rise do you actually keep?
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Read guideHow the calculator works
- 1. Gross pay. We convert what you enter into an annual figure and add any bonus.
- 2. Pension. Salary sacrifice and net pay contributions come off before tax; relief at source comes off after.
- 3. Income Tax. Your Personal Allowance (tapered above £100,000) and the right UK or Scottish bands are applied.
- 4. National Insurance and loans. Calculated separately on your earnings using the thresholds for the tax year.
Frequently asked questions
How much tax will I pay on my salary?
In England, Wales and Northern Ireland you pay no Income Tax on the first £12,570, 20% on the next £37,700, 40% up to £125,140 and 45% above. Scotland has different bands. Enter your salary above for a personalised estimate.
How is monthly take-home pay worked out?
We calculate your annual Income Tax, National Insurance and other deductions, subtract them from your gross pay and divide by 12. Your actual payslip is worked out per pay period and may vary slightly.
Are pension contributions taken before tax?
It depends on your scheme. Net pay and salary sacrifice arrangements reduce taxable pay; relief at source schemes take contributions after tax and your provider adds basic-rate relief.
When do I start repaying my student loan?
When your income is above your plan's threshold. For 2025/26: Plan 1 £26,065, Plan 2 £28,470, Plan 4 £32,745, Plan 5 £25,000 and Postgraduate Loan £21,000.
Will this match my payslip exactly?
Not always. It is an estimate assuming a standard tax code. Tax codes, benefits in kind and cumulative payroll can all cause differences.