UK Salary After Tax Calculator
See your UK salary after Income Tax and National Insurance — monthly, weekly and yearly. Not in the UK? See our US Take-Home Pay Calculator instead, or use the auto-detecting hub calculator.
🇬🇧 Income Tax + National Insurance
On this page
How the estimate is calculated
This calculator applies Income Tax at 20% (£12,571–£50,270), 40% (£50,271–£125,140) and 45% above, with the personal allowance tapered above £100,000. On top of Income Tax, it adds employee National Insurance at 8% between £12,570 and £50,270, and 2% above that.
Pension contributions are deducted before tax (salary-sacrifice style), which is why adding a pension percentage often costs less in take-home than it adds to your pension pot.
Worked example — £35,000 salary, no pension: personal allowance £12,570 is tax-free; the remaining £22,430 is taxed at 20% (£4,486 Income Tax). National Insurance adds 8% on earnings between £12,570 and £35,000 (£1,794). Total deductions: £6,280. Take-home: £28,720/year, or £2,393/month — an effective rate of 17.9%.
Take-home pay by salary
Estimated monthly take-home at different gross salaries, no pension contribution:
| Gross salary (yearly) | Take-home (monthly) | Effective rate |
|---|---|---|
| £25,000 | £1,793 | 13.9% |
| £35,000 | £2,393 | 17.9% |
| £50,000 | £3,293 | 21.0% |
| £70,000 | £4,263 | 26.9% |
Unlike US take-home pay, UK take-home depends only on salary, tax code and pension — Income Tax and National Insurance are calculated the same way nationwide, with no regional variation to account for.
Student loan repayments
This calculator does not include student loan repayments, since the rate and threshold depend on which repayment plan you're on. Plan 2 (most 2012–2023 English and Welsh starters) deducts 9% of income above roughly £28,470 a year. Plan 1, Plan 4 (Scotland) and Plan 5 use different thresholds. If you have a student loan, subtract the relevant amount from the take-home figure above for a more accurate result.
Common deductions this doesn't include
This calculator gives you Income Tax and National Insurance, but a real payslip usually has more taken off before the money lands in your account. Workplace pension contributions above what you enter here, student loan repayments (see above), and salary-sacrifice benefits like a company car or cycle-to-work scheme all reduce your net pay further.
That's why this tool is a starting point, not a payslip-exact figure. The gap between the estimate and your real payslip is almost always these extra deductions, not an error in the tax calculation itself.
Frequently asked questions
How accurate is this UK salary after tax calculator?
It's a close estimate using current Income Tax bands and National Insurance rates. Your tax code, student loan plan and workplace benefits can change the exact figure — check your payslip for the precise amount.
Does this include student loan repayments?
No. Plan 2 student loans deduct 9% of income above the repayment threshold, and other plans use different thresholds and rates — subtract the relevant amount from the result if it applies to you.
Does this include pension contributions beyond what I enter?
Only the pension percentage you type into the calculator is deducted before tax. Any additional employer contributions or auto-enrolment increases are not included — check your latest pension statement for the full picture.
What is included in National Insurance?
Employee National Insurance is charged at 8% on earnings between £12,570 and £50,270, and 2% above that. Employer NI contributions are separate and don't come out of your pay.
Is there a US version of this calculator?
Yes — see our US Take-Home Pay Calculator, which uses federal tax brackets and FICA instead of Income Tax and National Insurance.
Estimates for information only, not tax advice.