Salary After Tax Calculator UK 2025/26
Enter your gross salary to see your take-home pay after income tax, National Insurance, student loan repayments, and pension contributions. Includes Scottish tax rates and the personal allowance taper for incomes over £100,000.
Your Details
Your Take-Home Pay
Deductions breakdown
| Income Tax | £4,136 |
| National Insurance | £1,654 |
| Pension (5%) | £1,750 |
| Total Deductions | £7,540 |
How This Is Calculated
This calculator uses the official HMRC tax bands and National Insurance thresholds for the 2025/26 tax year (6 April 2025 to 5 April 2026).
Personal Allowance: The first £12,570 of income is tax-free. For incomes over £100,000, the allowance reduces by £1 for every £2 earned above this threshold, reaching zero at £125,140.
Scottish taxpayers pay different income tax rates set by the Scottish Parliament. Select the Scotland option if you live in Scotland.
Student loans are repaid at 9% of income above the plan threshold (6% for postgraduate loans). Repayments are calculated before pension deductions.
Pension contributions are assumed to be salary sacrifice (deducted before tax). Adjust the percentage to match your employer's scheme.
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