UK Take-Home Pay Calculator — Net Salary After Tax & NI
A simple UK take-home pay calculator for PAYE employees. Enter your gross salary to see what you actually take home after income tax, National Insurance, and pension deductions. Use it right here in your browser — no sign-up required.
2025–26 tax yearGet the App
The calculator works in your browser, but for a proper experience download the app. Always on your device, works offline, and just a tap away when you need it — the way a utility like this is meant to be used.
How It Works
The calculator uses HMRC 2025–26 rates for income tax, National Insurance, and pension (salary sacrifice) to work out what actually lands in your bank account each month.
Let’s walk through an illustrative salary of £55,000 to see how each deduction is applied, step by step.
Gross Income
Your total salary before any deductions. This is the number on your contract, not what hits your bank account.
Pension Contributions
If you make pension contributions through salary sacrifice, these reduce your gross pay before income tax is calculated. A 2% contribution on £55k saves you more than 2% in take-home.
Taxable Income & Personal Allowance
What remains after pension. Everyone gets £12,570 of tax-free income — your personal allowance. It passes straight through to your take-home pay without any tax applied.
Income Tax
Applied in bands. The first £37,700 of taxable income above your allowance is taxed at the basic rate (20%). Anything above that crosses into higher rate territory (40%). Only the portion above each threshold is taxed at the higher rate.
National Insurance
A separate deduction from income tax, using different thresholds. 8% on earnings between £12,570 and £50,270, then 2% above that. Funds state benefits like the State Pension.
Take-Home Pay
After income tax, National Insurance, and pension are deducted, this is what arrives in your account. On £55k, that’s roughly 76p of every pound earned ie. the effective rate of tax here is 26%.
Assumptions: England, Wales, or Northern Ireland tax rates (not Scotland). Single PAYE employment. No student loan deductions. NET pay pension arrangement (pension reduces tax but not NI). Standard tax code 1257L. No additional taxable benefits.
Check your result against a recent payslip or P60.
For illustrative purposes only. Not financial advice.
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