UK Salary Calculator
Calculate your take-home pay after tax, National Insurance, student loan, and pension contributions
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.
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 Calculator5 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