UK Take Home Salary Calculator 2025/26
Calculate your net salary after tax and national insurance
Leave blank to use the standard 1257L allowance.
Results
Daily Take Home
£0.00
Weekly Take Home
£0.00
Monthly Take Home
£0.00
Yearly Take Home
£0.00
Detailed Breakdown
| yearly | monthly | weekly | daily | |
|---|---|---|---|---|
| Gross | £0.00 | £0.00 | £0.00 | £0.00 |
| Taxable | £0.00 | £0.00 | £0.00 | £0.00 |
| Income Tax | £0.00 | £0.00 | £0.00 | £0.00 |
| Nat. Insurance | £0.00 | £0.00 | £0.00 | £0.00 |
| Pension | £0.00 | £0.00 | £0.00 | £0.00 |
| Student Loan | £0.00 | £0.00 | £0.00 | £0.00 |
| Take Home | £0.00 | £0.00 | £0.00 | £0.00 |
How the Salary Calculator works
The UK Salary Calculator shows your exact take-home pay after all deductions for the 2025/26 tax year (6 April 2025 to 5 April 2026). Enter your annual gross salary, and optionally your pension contribution, student loan plan, and tax code to see a full breakdown of income tax, National Insurance, and net pay — shown annually, monthly, weekly, and daily.
Income tax in 2025/26 is applied in progressive bands. The first £12,570 is covered by the personal allowance and is completely tax-free. Earnings between £12,571 and £50,270 are taxed at the basic rate of 20%. Earnings between £50,271 and £125,140 are taxed at the higher rate of 40%. Any earnings above £125,140 are taxed at the additional rate of 45%. If you earn over £100,000, your personal allowance reduces by £1 for every £2 above that threshold, creating an effective 60% marginal tax rate between £100,000 and £125,140.
National Insurance in 2025/26 is charged at 8% on earnings between £12,570 and £50,270 per year, and 2% on any earnings above £50,270. Your employer separately pays 13.8% employer NI on your earnings above the secondary threshold — this does not reduce your take-home pay directly.
Example: on a £35,000 salary in 2025/26, you pay £4,486 in income tax and £1,794 in National Insurance, giving a take-home pay of £28,720 per year (£2,393 per month). Use the advanced settings to include pension contributions, student loan repayments, and a custom tax code for a more precise result.
Frequently asked questions
How much tax do I pay on a £30,000 salary in 2025/26?
On a £30,000 salary in 2025/26 you pay £3,486 income tax and £1,394 National Insurance, giving you a take-home pay of £25,120 per year (£2,093 per month).
What is the personal allowance for 2025/26?
The personal allowance is £12,570 for 2025/26. You pay no income tax on earnings below this amount. If you earn over £100,000, your personal allowance reduces by £1 for every £2 earned above that threshold, disappearing entirely at £125,140.
How does National Insurance work in 2025/26?
You pay 8% National Insurance on earnings between £12,570 and £50,270 per year, and 2% on earnings above £50,270. There is no National Insurance on the first £12,570 of earnings.
What is the 60% tax trap?
If you earn between £100,000 and £125,140, you lose £1 of your personal allowance for every £2 earned over £100,000. Combined with 40% income tax and 2% National Insurance, this creates an effective 60% marginal tax rate on income in this range. Pension contributions can help reduce earnings back below £100,000.
Which student loan plan should I select?
Select Plan 1 for loans taken before September 2012 in England or Wales, or all Scottish loans before 2006. Select Plan 2 for England and Wales loans from September 2012 onwards. Select Plan 4 for Scottish loans from 2006 onwards. Select Postgraduate for master's or doctoral loans taken from August 2016.
How do pension contributions affect my take-home pay?
Pension contributions are deducted before income tax is applied, reducing your taxable income and giving you tax relief at your marginal rate. A 5% pension contribution on a £40,000 salary saves you £400 in income tax, meaning a £2,000 contribution only costs you £1,600 in take-home pay.
What does my tax code mean?
The most common tax code is 1257L, meaning your personal allowance is £12,570. The number is your allowance divided by 10, and the letter indicates how it applies. BR means basic rate tax on all income with no personal allowance. NT means no tax. If your code is wrong, contact HMRC.