Convert gross salary to net pay — income tax, National Insurance, student loan & pension contributions. Get a free PDF report with your full breakdown.
For every extra £1,000 added to your gross salary at this level:
This calculator is a guide only and not financial advice. It assumes a standard tax code (1257L) and Class 1 employee NI. Code adjustments, salary-sacrifice childcare schemes, benefits in kind and dividend / self-employed income are not modelled. Always check your payslip and HMRC personal tax account for your actual deductions. Tax year: 2025/26.
This free UK take-home pay calculator converts your gross salary into the net pay you will actually see in your bank account, using the 2025/26 income tax thresholds, National Insurance bands and the five UK student loan plans. It supports both rest-of-UK (rUK) and Scottish income tax rates, and lets you model pension contributions under salary sacrifice, net-pay arrangements or no contribution.
Two numbers appear in the results: your effective rate (total deductions ÷ gross salary) and your marginal rate (the tax and NI you would pay on the next £1 you earn). For most people they look similar, but they diverge sharply at three points:
The PDF report shows your pay-rise impact: how much of every extra £1,000 of salary you would actually keep. For someone earning £105,000, that figure is often only £400 — useful context when negotiating a rise.
Scottish taxpayers pay slightly more on earnings above ~£28,000 thanks to the Intermediate (21%), Higher (42%), Advanced (45%) and Top (48%) bands. Switch the region dropdown to “Scotland” and the calculator recalculates automatically. National Insurance and student loans are UK-wide and unchanged.
If you can afford it, increasing your pension contribution is the single biggest legal lever to reduce your tax bill. The calculator’s pension type dropdown lets you compare salary sacrifice (saves both tax and NI) against a standard net-pay arrangement (saves tax only). On a £60,000 salary, contributing 10% via salary sacrifice can cut take-home by far less than 10% — because HMRC effectively pays a third of it.
For more on tax-efficient saving, see our Lifetime ISA UK 2026 guide (25% government top-up) and our side hustle tax rules guide if you also have self-employed income alongside your PAYE salary.
Yes — it uses the 2025/26 income tax thresholds, National Insurance bands and student loan thresholds that apply from 6 April 2025. The “Tax year” label at the bottom of the calculator confirms which year is loaded.
Yes — switch the “Region” dropdown to Scotland and the calculator applies the Scottish 19%, 20%, 21%, 42%, 45% and 48% bands. National Insurance and student loans are UK-wide and unchanged.
Yes. Enter the percentage of your gross salary you contribute, and select the type: salary sacrifice (saves tax and NI) or net-pay arrangement (saves tax only). The PDF report shows the take-home impact of each.
Our calculator assumes the standard 1257L tax code and Class 1 employee NI. Real payslips may include benefit-in-kind adjustments, childcare voucher schemes, cycle-to-work or company-car salary sacrifice, or non-standard tax codes (K codes, BR, D0). Always check your HMRC personal tax account for the authoritative figure.
Not yet — this calculator is for PAYE earners. Self-employed earners pay Class 2 and Class 4 NI on a different schedule via Self Assessment. We will add a self-employed version in a future release.