UK Take-Home Pay Calculator
Enter your UK gross salary and see your monthly, weekly, and hourly take-home pay — with a full breakdown of Income Tax, National Insurance, pension, and student loan. Uses 2024/25 tax rates.
Your take-home pay
Where your money goes (annual)
| Gross salary | £0 |
| − Pension | £0 |
| = Taxable pay | £0 |
| − Income Tax | £0 |
| − National Insurance | £0 |
| − Student loan | £0 |
| = Take-home | £0 |
Effective total tax rate: 0%
How UK take-home pay is worked out
UK employees pay two deductions before anything else: Income Tax (via PAYE) and National Insurance Class 1. Some also pay towards a student loan and a workplace pension. All of these come out before the money hits your account.
Income Tax bands (2024/25, rest of UK)
| Band | Threshold | Rate |
|---|---|---|
| Personal allowance | £0 – £12,570 | 0% |
| Basic rate | £12,571 – £50,270 | 20% |
| Higher rate | £50,271 – £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
The personal allowance tapers away by £1 for every £2 earned over £100,000 — creating that infamous 60% marginal rate between £100k and £125,140.
National Insurance (Class 1 employee)
| Threshold | Rate |
|---|---|
| Up to £12,570 | 0% |
| £12,571 – £50,270 | 8% |
| Over £50,270 | 2% |
Related calculators
- Hours to salary calculator — convert between hourly rate and annual salary.
- UK Stamp Duty calculator — SDLT on a property purchase.
- Mortgage affordability — how much you can borrow on your income.
- VAT calculator — add or remove 20% VAT.
- Freelance rate calculator — if you're going self-employed.
Frequently asked questions
What tax year does this calculator use?
It uses the 2024/25 rates: £12,570 personal allowance, 20% basic-rate band up to £50,270, 40% higher-rate to £125,140, then 45% additional. National Insurance is 8% on the primary earnings band and 2% above the upper earnings limit. HMRC updates thresholds each April — always double-check with gov.uk if the year has rolled over.
Why does my personal allowance shrink when I earn over £100,000?
Above £100,000 gross, your £12,570 personal allowance tapers by £1 for every £2 earned. It's fully wiped by £125,140. That's why the marginal rate between £100k and £125,140 is effectively 60% — you're paying 40% tax on the earnings plus losing 40% tax relief on the tapered allowance. This calculator handles the taper automatically.
How does the pension contribution work here?
This calculator treats pension as a salary-sacrifice / net-pay contribution — it's taken from your gross before Income Tax and NI are calculated, which is how most workplace pensions actually operate. That's why bumping your pension contribution reduces your total tax bill as well as your take-home. If your pension uses relief-at-source instead, the tax saving is applied differently but the annual outcome is similar.
Which student loan plan should I pick?
Plan 1 is for pre-2012 English/Welsh loans and Scottish/NI borrowers (9% over £24,990). Plan 2 is the most common — post-2012 English/Welsh (9% over £27,295). Plan 4 is Scotland (9% over £31,395). Plan 5 is post-Aug-2023 English (9% over £25,000). Postgraduate is a separate 6% over £21,000. Check your loan account if unsure. Thresholds are 2024/25.
Does this include Scotland's different tax bands?
No — Scottish taxpayers have separate Income Tax bands (starter, basic, intermediate, higher, advanced, top). This calculator uses the rest-of-UK bands (England, Wales, NI). Scotland-specific take-home will be added in a future update. National Insurance is the same UK-wide, so that part is accurate for everyone.
Is this a substitute for a real payslip?
No. It's a good estimate for planning and negotiation, but real payslips can include benefits-in-kind, salary sacrifice for childcare/cycle schemes, bonuses, pension contributions with different tax treatments, and tax code adjustments (K codes, marriage allowance, etc.). Use this as a sanity check, not a legal figure.