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.
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Monthly take-home £0.00
Annual take-home £0.00
| 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
| 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)
| £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. Everyone receives a tax-free Personal Allowance, followed by higher tax rates as income increases.
- 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.
Scotland, Wales & Northern Ireland
Tax bands are different in Scotland (Scottish Income Tax). Wales and Northern Ireland use the same tax bands as England. National Insurance rules apply across the UK.
Frequently Asked Questions
Your income is split into bands, and each band is taxed at a different rate.
The Personal Allowance is £12,570 and remains frozen for 2025–26.