UK Salary Calculator 2025-2026
Calculate your take-home pay for your 2025 budget. See a full breakdown of income tax, national insurance, student loan, and more.
Your Results
A breakdown of your income and deductions.
Take-Home Pay
£30,533.60
- Take-Home£30,533.60
- Tax£13,972.00
- NI£2,994.40
- Pension£2,500.00
| Gross Pay | £50,000.00 |
| Income Tax | -£13,972.00 |
| National Insurance | -£2,994.40 |
| Pension Contribution | -£2,500.00 |
Key Deductions Explained
Income Tax is a tax you pay on your earnings. Most people have a Personal Allowance, which is the amount of money you can earn tax-free each year (£12,570 for most in 2025/26). Any earnings above this are taxed in bands. Our tax calculator uses the latest PAYE bands for the UK to give you an accurate figure.
Tax Bands & Allowances 25/26
A summary of the income tax rates and allowances.
Allowances
| Personal Allowance | £12,570 |
| Income Limit for Personal Allowance | £100,000 |
| Blind Person's Allowance | £3,070 |
| Married Couple's Allowance | Up to £1,127 tax reduction |
Tax Bands (above personal allowance)
| Income Band | Tax Rate |
|---|---|
| £0 - £37,700 | 20% |
| £37,701 - £125,140 | 40% |
| Over £125,140 | 45% |
Figures are for the 2025/2026 tax year. For a full breakdown, read our tax bands guide.
Student Loan Thresholds 25/26
Repayment starts on income above the threshold.
| Income | Repayment Rate |
|---|---|
| Below £24,990 | 0% |
| Above £24,990 | 9% |
For a detailed breakdown of plans, see our student loan guide.
National Insurance 25/26
Employee (Class 1) NI contributions.
| Earnings | Rate |
|---|---|
Below £242/week Below £12,570 | 0% |
£242 - £967/week £12,570 - £50,270 | 8% |
Above £967/week Above £50,270 | 2% |
For more details, use our National Insurance calculator.