UK Salary Calculator
Enter your gross salary — annual, monthly, weekly, or hourly — and see what actually lands in your bank account each month after Income Tax and National Insurance. Calculations use 2025/26 PAYE rates (frozen until April 2028), run entirely in your browser, and are free.
How the salary calculator works
The calculator takes your gross salary, subtracts the personal allowance (£12,570 in 2025/26 — tapered above £100,000 of income), and applies Income Tax bands to the remainder. Basic rate (20%) on the next £37,700, higher rate (40%) up to £125,140, additional rate (45%) above that. National Insurance (Class 1, employee) is computed separately at 8% between £12,570 and £50,270, and 2% above £50,270.
For monthly/weekly/daily/hourly views, the annual take-home is divided by 12, 52, 260 (52×5), or 1,950 (37.5×52). For an exhaustive walk-through with the full bands table and methodology, see the full salary tax calculator.
Frequently asked
What does this UK salary calculator show?
Your annual take-home pay (net) after Income Tax and Class 1 National Insurance. Plus monthly, weekly, daily, and hourly equivalents. Uses 2025/26 PAYE thresholds for England, Wales, and Northern Ireland.
How is salary different from wages in the UK?
"Salary" is typically a fixed annual amount paid in equal monthly instalments. "Wages" usually means pay calculated by the hour or by piece. Both are taxed the same way under PAYE. Toggle the Period dropdown between "Per year" and "Per hour" to handle either.
Does it factor in pension contributions or student loans?
No. The calculator estimates Income Tax + NI only. Workplace pension contributions (typically 5% employee + 3% employer minimum under auto-enrolment) reduce your taxable income — your real take-home is usually a few percent higher than shown. Student loan plans (Plan 1, 2, 4, 5, Postgraduate) are also not deducted.
What about Scotland?
Scotland has six separate Income Tax bands (Starter, Basic, Intermediate, Higher, Advanced, Top — 19% to 48% in 2025/26). National Insurance is the same UK-wide. This calculator uses England/Wales/NI bands; Scottish residents should refer to gov.scot.
Related calculators
Last updated: January 2026 · Sources: HMRC PAYE thresholds 2025/26, Finance Act 2024.