UK Salary Calculator
Calculate your take-home pay after tax, National Insurance, pension and student loans. See your salary broken down by month, week, day and hour.
Your gross annual salary
Net take-home
£28,720/year
17.9% effective tax rate
Hourly
£15
Daily
£110
Weekly
£552
Monthly
£2,393
Based on UK 2025/26 tax rates. This is an estimate for illustration purposes only. Consult a tax professional for personalised advice.
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How the Calculator Works
This calculator provides a detailed breakdown of your take-home pay, accounting for all major UK tax deductions:
- Income Tax - England/Wales bands (20%, 40%, 45%) or Scotland's 6-band system (19%-48%)
- National Insurance - Employee NI at 8% on earnings between £12,570 and £50,270, then 2% above
- Personal Allowance Taper - £1 reduction for every £2 earned over £100,000
- Pension Contributions - Salary sacrifice or relief at source options
- Student Loans - All UK plan types (Plan 1, 2, 4, 5, and Postgraduate)
See your take-home pay broken down by year, month, week, day and hour. You can also compare two salaries to understand the real difference in net pay.
Understanding your pay
Key Considerations for Your Salary
Understanding Your Effective Tax Rate
Your effective tax rate is the total percentage of your salary that goes to tax and NI. It's usually lower than your marginal rate because the first £12,570 is tax-free. A £35,000 salary has an effective rate of about 18%, even though you're in the 20% tax band.
England vs Scotland Tax Rates
Scottish taxpayers pay different income tax rates from April 2024. Scotland has a 6-band system with a Starter Rate (19%), Basic (20%), Intermediate (21%), Higher (42%), Advanced (45%), and Top Rate (48%). This means Scottish taxpayers typically pay more tax on higher earnings but slightly less on lower earnings.
The Power of Pension Contributions
Salary sacrifice pension contributions reduce your taxable income before tax and NI are calculated. For higher-rate taxpayers, every £100 contributed only "costs" around £58 in lost take-home pay. Plus, employer NI savings are often passed to your pension pot.
FAQ
Frequently Asked Questions
- How do I calculate my take-home pay?
- Enter your gross annual salary and the calculator will show your net take-home pay after Income Tax, National Insurance, pension contributions, and student loan repayments. You can also see your pay broken down by month, week, day, and hour.
- How is take-home pay calculated in the UK?
- UK take-home pay is calculated by subtracting Income Tax, National Insurance, pension contributions, and student loan repayments from your gross salary. The personal allowance (£12,570 for 2025/26) is tax-free, with progressive tax bands above that.
- What is the personal allowance taper?
- If you earn over £100,000, your personal allowance is reduced by £1 for every £2 over the threshold. This creates an effective 60% marginal tax rate on income between £100,000 and £125,140 (where the allowance reaches zero).
- How do Scotland tax rates differ from England?
- Scotland has six income tax bands compared to England's three. Scotland's rates for 2025/26 are: Starter (19%), Basic (20%), Intermediate (21%), Higher (42%), Advanced (45%), and Top (48%). The bands and thresholds also differ from England.
- What student loan plans are supported?
- This calculator supports all UK student loan plans: Plan 1 (started before Sept 2012 in England/Wales, or Scotland/NI), Plan 2 (England/Wales after Sept 2012), Plan 4 (Scotland after Sept 1998), Plan 5 (England from 2023), and Postgraduate Loans.
- Can I compare two salaries?
- Yes! Click 'Compare another salary' to add a second salary and see them side-by-side. This is useful when comparing job offers or evaluating a pay rise to see the real difference in take-home pay.