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UK Salary Calculator
Estimate UK take-home pay after Income Tax, National Insurance, and student loans
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How is UK income tax calculated?
Income Tax is calculated using progressive bands: 0% on the first ┬г12,570 (Personal Allowance), 20% on ┬г12,571-┬г50,270, 40% on ┬г50,271-┬г125,140, and 45% above ┬г125,140.
What is the personal allowance and when does it reduce?
The Personal Allowance is ┬г12,570 for most people. It reduces by ┬г1 for every ┬г2 earned above ┬г100,000, until it reaches zero.
How do student loan repayments work?
You repay 9% of your income above the threshold (┬г24,990 for Plan 1, ┬г27,295 for Plan 2, ┬г31,395 for Plan 4, ┬г25,000 for Plan 5).
How to Use the UK Salary Calculator
Estimate your UK take-home pay after Income Tax, National Insurance, and pension.
- Enter your gross annual salary.
- Add pension contributions and student loan plan if relevant.
- See your take-home pay per year, month, and week.
- Review the Income Tax and National Insurance breakdown.
UK Take-Home
Net Pay
Income Tax uses banded rates above the personal allowance; NI is charged above a threshold.
Example:
Input: ┬г40,000 salary
Calculation: minus tax, NI, pension
Result: тЙИ take-home
Real-World Use Cases
Job Offers
Compare net pay across salaries.
Pension Planning
See how contributions affect take-home.
Tips & Common Mistakes
Tips
- Salary sacrifice pensions reduce both tax and NI.
- The personal allowance tapers away at higher incomes.
Common Mistakes to Avoid
- Forgetting student loan repayments.
- Comparing gross salaries instead of net pay.