Take-Home Pay Calculator UK

The main deductions from UK salary are Income Tax, National Insurance contributions, pension contributions, and student loan repayments (if applicable). Other possible deductions include childcare vouchers, season ticket loans, and court-ordered payments like attachment of earnings orders.

UK Income Tax uses a progressive band system. You get a Personal Allowance of £12,570 tax-free. Income between £12,571 and £50,270 is taxed at 20% (basic rate), between £50,271 and £125,140 at 40% (higher rate), and above £125,140 at 45% (additional rate). The Personal Allowance reduces by £1 for every £2 earned over £100,000.

National Insurance (NI) is a tax on earnings that funds state benefits like the State Pension, maternity pay, and the NHS. For the 2024/25 tax year, employees pay 8% on earnings between £12,570 and £50,270 per year, and 2% on earnings above £50,270. It's calculated on gross earnings before pension contributions if paying via net pay arrangement.

This calculator provides estimates based on standard 2024/25 tax rates and thresholds for England and Northern Ireland. Actual take-home pay may vary due to your specific tax code, company benefits, benefits in kind, different pension arrangements, Scottish or Welsh rate variations, and other individual circumstances. For exact figures, check your payslip or contact HMRC.

There are four main student loan plans in the UK: Plan 1 (for English and Welsh students who started before September 2012), Plan 2 (for English and Welsh students who started after September 2012), Plan 4 (for Scottish students), and Postgraduate loans. Each has different repayment thresholds and rates: Plan 1 is 9% above £22,015, Plan 2 is 9% above £27,295, Plan 4 is 9% above £32,397, and Postgraduate is 6% above £21,000.

Pension contributions reduce your take-home pay, but also reduce your taxable income, meaning you pay less Income Tax and sometimes National Insurance. With salary sacrifice (where pension is taken before tax), you save tax and NI on contributions. With relief at source, you get basic rate tax relief added to your pension pot. Higher and additional rate taxpayers can claim extra relief through their tax return.