UK Salary Calculator

Calculate your take-home pay after tax, National Insurance, student loan, and pension contributions

Your Details

£

Your Take-Home Pay

Enter your salary details and click Calculate to see your take-home pay.

Based on 2024/25 tax year rates and thresholds

Understanding Your Take Home Pay in the UK

Personal Allowance

£12,570

Tax-free threshold 2024/25

Basic Rate

20%

£12,571 - £50,270

Higher Rate

40%

£50,271 - £125,140

NI Rate

12%

Main contribution rate

UK Salary Bands & Take Home Pay Guide

Explore how typical UK salary bands translate into net income. Enter your own salary above for tailored figures based on your deductions.

Entry-level positions

Gross: £20,000 - £30,000

Net: £17,000 - £24,500

Calculate exact amount

Mid-level professionals

Gross: £30,000 - £50,000

Net: £24,500 - £38,000

Calculate exact amount

Senior positions

Gross: £50,000 - £75,000

Net: £38,000 - £52,500

Calculate exact amount

Management roles

Gross: £75,000 - £100,000

Net: £52,500 - £66,000

Calculate exact amount

Need a More Detailed Net Salary Breakdown?

The calculator above gives you precise numbers for your circumstances. Add your salary details to see the exact deductions and take-home amount.

Use the Take-Home Pay Calculator

5 Ways to Increase Your Take Home Salary

Maximise Your Pension

Higher pension contributions lower your taxable income and can lift your take-home pay in the long run.

Try the calculator to see how each tip could change your take-home pay over the course of the year.

Frequently Asked Questions About UK Take Home Pay

Everything you need to know about using the calculator and interpreting your payslip figures.

Complete Guide to Your Salary After Tax UK

How We Calculate Your Take Home Pay

Start with Gross Salary

Your total earnings before any deductions

Apply Tax-Free Allowance

First £12,570 is tax-free for most people

Calculate Income Tax

Apply tax bands to remaining income

Deduct National Insurance

12% on earnings between £12,570-£50,270

Include Other Deductions

Student loans, pension contributions

These steps mirror how our calculator works behind the scenes, using the most recent HMRC thresholds to keep every result up to date.

What Affects Your Take Home Salary?

Tax Code

Your tax code determines how much personal allowance you receive. Most people have 1257L, but it is worth checking so you know the right amount of tax is being deducted.

Common codes: 1257L (standard), BR (basic rate), 0T (no allowance)

Location

Scotland has its own tax bands. Select the relevant student loan plan and the calculator automatically applies the correct thresholds.

Benefits & Allowances

Company benefits, marriage allowance transfers, and child benefit clawbacks can all influence the final figure you see on your payslip.

Age

Different National Insurance rates can apply once you reach State Pension age, so your net pay may increase without any other changes.

First-Time Buyers

Planning to buy your first home? Use the calculator results to gauge what lenders might consider affordable each month.

Calculate your borrowing power

Graduate Salaries

Recent graduate? The tool factors in student loan repayments so you can see the realistic amount that lands in your bank account.

Student loan calculations included

Contractors

Working through a limited company? Compare the take-home figure with our dividend tax calculator to decide how best to pay yourself.

Compare Options →

Need Professional Tax Planning Advice?

The calculator gives you a clear starting point. Our accountants can then help you maximise take-home pay through tailored, compliant tax planning.

Personal Tax Planning

Optimise your personal tax position

Pension Strategies

Maximize tax relief on contributions

Investment Planning

Tax-efficient investment structures