UK Take-Home Pay Calculator
Enter your pay to see your estimated take-home after Income Tax & National Insurance.
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Estimates only — for guidance; not financial advice.
Ready
| Breakdown | Annual | Monthly | Weekly | Daily |
|---|---|---|---|---|
| Gross pay | £0.00 | £0.00 | £0.00 | £0.00 |
| Pension | £0.00 | £0.00 | £0.00 | £0.00 |
| Income Tax | £0.00 | £0.00 | £0.00 | £0.00 |
| National Insurance | £0.00 | £0.00 | £0.00 | £0.00 |
| Student Loan | £0.00 | £0.00 | £0.00 | £0.00 |
| Net take-home | £0.00 | £0.00 | £0.00 | £0.00 |
UK Income Tax Bands for 2025–26
If you also want to calculate VAT or National Insurance, try our VAT Calculator or National Insurance Calculator.
| Band | Income Range | Rate |
|---|---|---|
| Personal Allowance | £0 – £12,570 | 0% |
| Basic Rate | £12,571 – £50,270 | 20% |
| Higher Rate | £50,271 – £125,140 | 40% |
| Additional Rate | Over £125,140 | 45% |
National Insurance Rates (2025)
For detailed NI calculations, use our NI Calculator or learn more from the official HMRC guide at gov.uk.
| £0 – £12,570 | 0% |
|---|---|
| £12,571 – £50,270 | 10% |
| Over £50,270 | 2% |
How Income Tax Works in the UK
Income Tax is calculated based on tax bands. You can estimate your full take-home pay using our PAYE Tax Calculator or, if you are self-employed, try the Self-Employment Tax Calculator.
- Personal Allowance: The first £12,570 is tax-free.
- Taxable Income: Anything you earn above the allowance.
- PAYE: Your employer deducts tax automatically.
- National Insurance: Separate from income tax but also based on earnings.
This calculator automatically applies all HMRC rates for 2025. For reference, see the official HMRC guide at gov.uk.
Scotland, Wales & Northern Ireland
Tax bands are different in Scotland. You can use our dedicated Scotland Income Tax Calculator.
Wales and Northern Ireland follow the same tax bands as England. See: Wales Income Tax Calculator and Northern Ireland Income Tax Calculator.
National Insurance rules apply across the UK and can be checked using our National Insurance Calculator.
Frequently Asked Questions
You can also explore related tools such as our Loan Calculator, Mortgage Calculator or Small Business Tax Calculator.