Salary Calculator
Understanding how much of your salary you actually take home after Tax and National Insurance 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.
UK Salary and Tax Deductions Calculator
Calculate your take-home pay after Income Tax and National Insurance.
Our Salary and Tax Deductions Calculator helps you estimate your net pay and your employer’s total cost for the 2025/26 tax year.
Salary Calculator 2025/26
⚖️ 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% |
🧾 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.