UK Income Tax Calculator 2025-2026
UK Income Tax Calculator
Estimate take-home pay, Income Tax and employee National Insurance (2025/26).
This is a simple estimate for employment income. If you have benefits, student loans, pension salary sacrifice, dividends, expenses, or multiple jobs, use this as a guide only.
Show full breakdown
| Item | Annual |
|---|---|
| Gross salary | £0.00 |
| Personal Allowance | £0.00 |
| Taxable income | £0.00 |
| Income Tax | £0.00 |
| Employee NI | £0.00 |
| Total to pay | £0.00 |
| Take-home pay | £0.00 |
UK Income Tax & National Insurance Calculator (2025/26)
This page helps you estimate your take-home pay from a salary in the UK. Enter your annual gross salary and the calculator will show your Income Tax, employee National Insurance (NI), your Total to pay (Tax + NI combined), and your net pay. You can switch the view to annual, monthly, or weekly figures.
What this calculator includes
- Income Tax bands and Personal Allowance for the 2025/26 tax year.
- Personal Allowance taper (reduced above £100,000).
- Employee National Insurance (Class 1) using standard thresholds and rates.
- Regional selection for Scotland (different Income Tax bands).
- Instant results as you type (no need to press a calculate button).
What it doesn’t include
This is a quick estimate for common PAYE salaries. Your real payslip may differ if you have anything like:
- Student loan repayments
- Workplace pension contributions or salary sacrifice schemes
- Bonuses, commission, overtime, or taxable benefits
- More than one job, or a non-standard tax code
- Self-employed income, dividends, or rental income
How to use the UK tax calculator
- Enter your gross salary (annual, before any deductions).
- Select your region (England/Wales/Northern Ireland or Scotland).
- Choose State Pension age if relevant (this affects employee NI).
- Pick a view (annual, monthly, or weekly) to match your payslip planning.
Understanding your results
The calculator breaks everything down clearly so you can plan your budget and compare jobs or salary offers.
Income Tax
Income Tax is worked out from your taxable income (your salary after Personal Allowance) across tax bands. Higher earners may also see their Personal Allowance reduce once income goes above £100,000.
Employee National Insurance (NI)
NI is normally charged on earnings above a threshold. You’ll typically pay the main NI rate up to the upper limit, then a lower rate above that. If you are over State Pension age, employee NI is usually not charged.
Total to pay
This is your Income Tax + employee NI combined. It’s useful if you want a single “all-in” deduction figure before looking at net pay.
Take-home pay
Your take-home pay (net pay) is your gross salary minus Total to pay. This gives you a quick view of what you’ll actually have available for bills, rent, savings, and spending.
Gross salary to net pay (gross to net) in the UK
If you’re searching for a gross to net calculator, the key thing to understand is that your net pay depends on how much of your income falls into each tax band, plus how National Insurance is applied. This calculator gives a quick estimate for common PAYE salaries and is ideal for comparing job offers or planning your budget.
Try common salary examples
Many people search things like “£30k take home pay” or “£40k salary after tax”. You can quickly check these by entering the salary amounts below and switching between annual and monthly view.
Popular salary checks
- £20,000 salary after tax
- £25,000 salary after tax
- £30,000 salary take-home pay
- £35,000 salary take-home pay
- £40,000 salary after tax
- £50,000 salary after tax
- £60,000 salary after tax
Tip: switch to monthly view for a quick “per month” estimate.
What can change the result?
- Your tax region (Scotland vs rest of the UK)
- Pension contributions (especially salary sacrifice)
- Student loans
- Bonuses, overtime, or commission
- Your tax code and any taxable benefits
Income Tax bands and Personal Allowance
The UK uses a banded system: different portions of your income are taxed at different rates. Most people also get a Personal Allowance (the amount you can earn before paying Income Tax), but this can reduce when income goes above £100,000.
National Insurance (NI) explained
Employee National Insurance is normally taken from pay above a threshold and is applied separately to Income Tax. It’s one of the reasons two people on the same salary can see slightly different take-home pay depending on their situation. If you’re over State Pension age, employee NI is usually not charged.
Scotland vs England/Wales/Northern Ireland
Scotland uses different Income Tax bands for non-savings income. If you live in Scotland (and it applies to your income), select Scotland in the calculator to use Scottish rates.
Why many tax calculator pages are difficult to use
A lot of online “tax calculator” pages are cluttered, slow, and hard to understand — often with outdated assumptions or too many ads. This page is designed to be quick, mobile-friendly, and clear, with a simple breakdown you can use for everyday planning.
Common questions
Does this calculator show monthly take-home pay?
Yes. Switch the results view to Monthly and the calculator will automatically show monthly figures for tax, NI, total to pay, and take-home pay.
What does “effective rate” mean?
The effective rate is the percentage of your gross salary that goes to Income Tax and employee NI combined. It helps you understand the overall impact of deductions at your income level.
Why does take-home pay not increase evenly when salary rises?
Because extra income can fall into higher tax bands and different NI thresholds as salary increases. That means a pay rise doesn’t translate to the same increase in take-home pay at every salary level.
Is the Scotland option different?
Yes. Scotland uses different Income Tax bands for non-savings income. Select Scotland in the region setting to use Scottish rates.
Does it include student loan repayments?
Not currently. Student loans depend on your plan type and thresholds. If you want, I can add a “Student Loan Plan” dropdown and include repayments in the Total to pay figure.
Can I use this for self-employed tax?
Not for self-employed calculations. Self-employed tax can include different National Insurance classes and is calculated differently. This page is aimed at PAYE employment income.
Embed this calculator on your own website
If you run a finance blog, accounting website, recruitment site, or payroll resource page, you can embed this calculator so visitors can calculate take-home pay directly on your site. Use the “Add this calculator to your website” button under the calculator to copy the embed code.
Note: Tax rules can change. This calculator is provided for informational purposes only and should not be treated as financial advice.