UK Salary Calculator 2025/26 — Take-Home Pay After Tax
Calculate your UK take-home salary after income tax, National Insurance, student loan and pension deductions. 2025/26 tax year.
£
= £3,750 / month %
Employee contribution % of gross salary Standard 2025/26 code = 1257L (£12,570 allowance)
Common salaries:
£0
Annual Take-Home Pay
£0
Monthly Take-Home
£0
Income Tax
£0
National Insurance
Full Salary Breakdown
How to Use This UK Salary Calculator
Enter your annual gross salary, pension contribution percentage, student loan plan (if applicable), and your tax code. The calculator shows your complete take-home pay for the 2025/26 tax year (6 April 2025 – 5 April 2026).
The Formula
Personal Allowance = £12,570 (tax code 1257L; tapers above £100,000)
Income Tax = 20% × basic rate + 40% × higher rate + 45% × additional rate
Employee NI = 8% × (£12,570–£50,270) + 2% × above £50,270
Student Loan = 9% × (salary − threshold) for Plan 1/2
Take-Home = Gross − Income Tax − NI − Student Loan − Pension
Income Tax = 20% × basic rate + 40% × higher rate + 45% × additional rate
Employee NI = 8% × (£12,570–£50,270) + 2% × above £50,270
Student Loan = 9% × (salary − threshold) for Plan 1/2
Take-Home = Gross − Income Tax − NI − Student Loan − Pension
Example
Sophie, £55,000 salary, 5% pension, Plan 2 student loan:
Pension: £55,000 × 5% = £2,750 (reduces pensionable pay)
Personal Allowance: £12,570 | Taxable: £55,000 − £12,570 = £42,430
Income tax: £37,700 × 20% + £4,730 × 40% = £7,540 + £1,892 = £9,432
NI: (£50,270 − £12,570) × 8% + £4,730 × 2% = £3,016 + £95 = £3,111
Student loan: (£55,000 − £27,295) × 9% = £2,493
Take-home: £55,000 − £9,432 − £3,111 − £2,493 − £2,750 = £37,214
Pension: £55,000 × 5% = £2,750 (reduces pensionable pay)
Personal Allowance: £12,570 | Taxable: £55,000 − £12,570 = £42,430
Income tax: £37,700 × 20% + £4,730 × 40% = £7,540 + £1,892 = £9,432
NI: (£50,270 − £12,570) × 8% + £4,730 × 2% = £3,016 + £95 = £3,111
Student loan: (£55,000 − £27,295) × 9% = £2,493
Take-home: £55,000 − £9,432 − £3,111 − £2,493 − £2,750 = £37,214
Extended
UK Salary Deep Dive
Pension strategy, student loan impact and monthly pay schedule
See how increasing pension contributions reduces your tax and boosts retirement savings.
| Pension % | Annual Pension | Income Tax | Take-Home | Tax Saved |
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Compare take-home pay with different student loan plans at your salary.
| Plan | Threshold | Annual Repayment | Monthly Repayment | Take-Home |
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Monthly PAYE breakdown for the 2025/26 tax year.
| Month | Gross | Income Tax | NI | Take-Home |
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Frequently Asked Questions
How is UK salary taxed in 2025/26?
UK employees pay income tax via PAYE (Pay As You Earn) at three rates: Basic Rate 20% on income £12,571–£50,270; Higher Rate 40% on income £50,271–£125,140; Additional Rate 45% on income above £125,140. The first £12,570 is tax-free (Personal Allowance). National Insurance contributions are also deducted: 8% on earnings £12,570–£50,270 and 2% above £50,270.
What is included in the UK salary after tax calculation?
UK take-home pay deductions include income tax, employee National Insurance contributions, student loan repayments (if applicable), and pension contributions. This calculator covers income tax, NI, student loan plans 1 and 2, and voluntary pension contributions. Employer NI and employer pension contributions are separate.
What is the student loan repayment threshold for 2025/26?
Plan 1: repay 9% of earnings above £24,990/year. Plan 2: repay 9% of earnings above £27,295/year. Plan 4 (Scotland): repay 9% above £31,395. Postgraduate loan: repay 6% above £21,000. This calculator includes Plan 1 and Plan 2 repayment calculations.
How does the £100,000 income trap work?
When income exceeds £100,000, the Personal Allowance reduces by £1 for every £2 of excess. This creates an effective 60% marginal rate on income between £100,000 and £125,140. This calculator accounts for this taper. One strategy is to make pension contributions to bring income below £100,000.
What is the difference between a UK salary calculator and an income tax calculator?
A salary calculator shows your full take-home pay including all PAYE deductions (income tax + NI + student loan + pension). An income tax calculator typically focuses only on the income tax component. For planning purposes, you want the full salary calculator to understand your actual monthly cash.