UK PAYE Tax Calculator
Estimate your monthly and annual take-home pay under PAYE for the 2025/26 tax year.
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For guidance only — not official financial advice.
Ready
Monthly Take-Home £0.00
Annual Take-Home £0.00
Effective Tax Rate 0%
| Breakdown | Amount (£) |
|---|---|
| Income Tax | 0.00 |
| National Insurance | 0.00 |
| Pension Contribution | 0.00 |
| Total Deductions | 0.00 |
PAYE Income Tax & NI Rates 2025–26
Income Tax (England, Wales & NI)
| Band | Income Range | Tax 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 (Class 1 – Employees)
| £0 – £12,570 | 0% |
|---|---|
| £12,571 – £50,270 | 10% |
| Above £50,270 | 2% |
PAYE applies to employees and salaried workers. Self-employed individuals use different NI classes.
How PAYE Tax Works
PAYE (Pay As You Earn) is the UK system used by employers to deduct Income Tax and National Insurance from your salary before it is paid to you.
- Personal Allowance is tax-free income.
- Income Tax is applied to your taxable salary using tax bands.
- National Insurance is calculated using Class 1 employee rates.
- Tax code affects how much tax you pay (default is 1257L).
- You receive your take-home pay after these deductions.
This calculator estimates your monthly, weekly and annual take-home pay using HMRC thresholds.
PAYE Tax Examples
Salary: £20,000
- Income Tax: £1,486
- National Insurance: ~£748
- Take-home: ~£17,766
Salary: £40,000
- Income Tax: £5,486
- National Insurance: ~£3,043
- Take-home: ~£31,471
Salary: £75,000
- Income Tax: £17,486+
- National Insurance: ~£4,943
- Take-home: ~£52,571+
Frequently Asked Questions
PAYE stands for Pay As You Earn — a system where your employer deducts tax and NI before paying your salary.
Yes — if your earnings exceed the personal allowance and NI thresholds.
This UK PAYE Tax Calculator uses the latest 2025–26 HMRC Income Tax and National Insurance thresholds to estimate employee take-home pay.