Calculate Your UK Take‑Home Pay Instantly
UK Salary & Tax Calculator 2025/26 – PAYE, NI & Take‑Home Pay
Note: Pension is treated as a pre‑tax employee contribution for Income Tax (does not reduce NI). Employer costs include Class 1 NI and Class 1A NI on any benefits. Figures are estimates for the 2025/26 tax year.
Why Use This UK Salary & Tax Calculator?
Our calculator helps you estimate your take‑home pay after Income Tax (PAYE), National Insurance (NI), and student loan deductions. It also factors in pension contributions and shows employer costs, giving you a complete salary breakdown.
How It Works
The tool uses official 2025/26 UK tax rates and thresholds for England, Wales, and Scotland. It calculates:
- Income Tax based on your region and tax bands
- NI contributions using your NI letter code
- Student Loan repayments for Plan 1, Plan 2, Plan 4, and Postgraduate Loan
- Employer NI and Class 1A on benefits
- Optional pension deductions
Disclaimer
This calculator provides an estimate only based on current UK tax rules for the 2025/26 tax year. Actual deductions may vary depending on your personal circumstances, benefits, and HMRC updates.
For accurate payroll advice, tax planning, or personalized guidance, contact our expert team today. We’re here to help you make informed financial decisions.