Salary Calculator
Understanding how much of your salary you actually take home after tax, National Insurance, pension contributions, and student loans can be confusing. Use our calculator to estimate your monthly and annual take-home pay for the 2025/26 tax year, with support for different tax codes, pension contributions, and student loan plans. All calculations are based on official HMRC rates and thresholds for 2025/26.
Our UK Salary and Tax Deductions Calculator (2025/26)
Calculate your take-home pay after Income Tax, National Insurance, Pension, and Student Loan deductions.
Our free Salary and Tax Deductions Calculator helps you estimate your net pay and your employer’s total cost for the 2025/26 tax year.
Simply enter your gross annual or monthly salary, select your tax code, and the calculator will instantly show your Income Tax, National Insurance, Pension deductions, and Student Loan repayments — all based on up-to-date HMRC thresholds.
🧮 Use the Salary & Tax Calculator
💷 Salary Calculator
Enter your salary, pension contributions, tax code, and student loan plan. Results update instantly.
| Gross Salary | £0.00 |
| Tax Code | 1257L |
| Income Tax | £0.00 |
| Employee NI | £0.00 |
| Employee Pension | £0.00 |
| Student Loan | £0.00 |
| Net Annual Pay | £0.00 |
| Net Monthly Pay | £0.00 |
| Net Weekly Pay | £0.00 |
| Employer NI | £0.00 |
| Employer Pension | £0.00 |
| Total Employer Cost | £0.00 |
Calculations supplied by theonlineaccountants.uk
Tip: Enter your salary, select your frequency (annual, monthly, or weekly), add your tax code, and adjust your pension or student loan plan if applicable. The results update instantly.
⚖️ How to Use the Salary and Tax Calculator
Enter your gross salary (annual or monthly).
Input your tax code – e.g.
1257Lfor the standard 2025/26 code.Add optional pension percentages for employee and employer contributions.
Select a student loan plan (Plan 1, 2, 4, or Postgraduate).
Instantly view:
Net take-home pay
Total tax and National Insurance
Pension and student loan deductions
Employer NI and total employer cost
The calculator also includes a helpful chart that visualises how your salary is split between take-home pay, tax, NI, and other deductions.
💡 Calculations supplied by theonlineaccountants.uk
🧮 What the Calculator Covers
Our 2025/26 Salary and Tax Calculator reflects current UK tax bands and NI thresholds, including:
Income Tax rates for England, Wales, and Northern Ireland
National Insurance (NI) for both employee and employer
Pension deductions (voluntary employee and employer)
Student Loan repayments for all UK plans
Employer’s total cost — the real cost of employing someone
💡 Why Accurate Salary Calculations Matter
Understanding your true take-home pay helps you:
Budget effectively
Compare job offers accurately
Plan for pension contributions
Estimate student loan repayments
Calculate the real cost of employment for businesses
Whether you’re an employee, contractor, or employer, this calculator provides full transparency on how UK taxes and deductions affect your pay.
⚖️ 2025/26 Tax Rates, Thresholds & Allowances (UK)
Income Tax Bands (England, Wales & Northern Ireland)
| Band | Taxable Income | Tax Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic Rate | £12,571 – £50,270 | 20% |
| Higher Rate | £50,271 – £125,140 | 40% |
| Additional Rate | Over £125,140 | 45% |
Employee National Insurance (Class 1)
| Earnings Range | Rate |
|---|---|
| Up to £12,570 | 0% |
| £12,571 – £50,270 | 8% |
| Over £50,270 | 2% |
Employer National Insurance (Class 1 Secondary)
| Earnings Range | Rate |
|---|---|
| Up to £5,000 (Allowance) | 0% |
| Above £5,000 | 15% |
💡 Example Calculation
Example:
An employee on a £40,000 annual salary with a 1257L tax code, contributing 5% pension, and on Student Loan Plan 2.
Gross annual pay: £40,000
Income tax: ~£5,486
Employee NI: ~£3,288
Employee pension: £2,000
Student loan: ~£1,107
Net annual pay: ~£28,119
Net monthly pay: ~£2,343
Employer cost (including NI & pension): ~£47,000
🧾 Understanding Your Deductions
Income Tax:
Based on the current UK tax bands and your tax code. If you have a special tax code like BR, D0, or 0T, all or part of your income is taxed at a flat rate.
National Insurance:
Employee NI contributions fund the NHS and state benefits. You pay 12% on earnings above £12,570 and 2% on earnings above £50,270.
Pension Contributions:
Auto-enrolment usually requires a minimum 8% total contribution (typically 5% employee, 3% employer).
Student Loan:
Repayments start once your salary exceeds the threshold for your plan. Plan 2, for example, starts at £27,295.
Employer Contributions:
Your employer also pays NI (15%) and pension contributions, forming your total employment cost.
✅ Key Features of Our Calculator
Updated for the 2025/26 tax year
Tax code recognition for both numeric and letter sections (e.g.
1257L,BR,D0)Pension deduction fields for both employee and employer
Student loan plans including postgraduate
Employer’s NI and total cost visible
Mobile-friendly design and accessible
Copy results button for easy record-keeping
🧠 Expert Note from The Online Accountants
This calculator uses official HMRC tax bands and NI thresholds for 2025/26 and provides a reliable estimate of deductions.
However, your actual take-home pay may differ slightly depending on benefits, salary sacrifice schemes, or local tax variations in Scotland.
For tailored advice, speak to a qualified accountant or book a consultation with The Online Accountants
❓ Frequently Asked Questions (FAQ)
Q: Does this calculator include Scotland’s tax bands?
Yes — simply select “Scotland” from the region dropdown to apply Scottish rates.
Q: What if I have multiple jobs or a second income?
Use a BR or 0T tax code for additional jobs unless HMRC has issued a specific code.
Q: Are the results guaranteed to match HMRC?
The results are estimates for guidance only but use HMRC’s 2025/26 published thresholds.
Q: Do you store any personal data?
No — all calculations happen in your browser and no data is saved or transmitted.
🏁 Conclusion
Our Salary and Tax Deductions Calculator offers a quick and accurate way to estimate your take-home pay and employer costs for the 2025/26 tax year.
Designed by qualified accountants, it’s built for clarity, accuracy, and accessibility.