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Take-Home Pay Calculator

Enter a gross salary to estimate your yearly, monthly and weekly take-home after Income Tax, National Insurance and pension contributions (2025/26 rates, England, Wales & NI).

Estimates use the 2025/26 tax year for England, Wales and Northern Ireland (Scotland has different bands), a standard 1257L personal allowance and Class 1 employee NI. Pension is treated as a salary-sacrifice-style deduction before tax and NI. Your payslip may differ — check with your employer or HMRC.

How take-home pay is worked out

Your employer deducts Income Tax and National Insurance before paying you. For 2025/26 in England, Wales and Northern Ireland, most people get a personal allowance of £12,570 tax-free, pay 20% on income up to £50,270, 40% up to £125,140 and 45% above that. The allowance shrinks by £1 for every £2 earned over £100,000.

Employee National Insurance is 8% on earnings between £12,570 and £50,270 and 2% above that. Pension contributions made through your employer usually come out before tax, which is why paying into a pension lowers your tax bill as well as your take-home.

Student loan repayments are collected through payroll too: 9% of income over the plan threshold (6% for postgraduate loans).

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