UK Salary Calculator 2025/26
Work out your take-home pay after Income Tax, National Insurance, pension, and student loan. Updated for the 2025/26 tax year with separate Scottish tax bands.
Your details
£
Take-home£37,720per year
Monthly take-home£3,143
Bi-weekly£1,451
Effective tax rate20.0%
Marginal rate28.0%
Annual breakdown
- Gross income£50,000
- Income tax (England)(14.0%)-£6,986
- National Insurance (Class 1)(5.6%)-£2,794
- Pension contribution(5.0%)-£2,500
- Take-home pay(75.4%)£37,720
Uses HMRC 2025/26 Income Tax bands and Class 1 NI rates. Read full disclaimer.
UK regions
UK salary calculator FAQ
How does the UK Personal Allowance work in 2025/26?
The standard Personal Allowance is £12,570 — income up to that amount is tax-free. However, if your income exceeds £100,000, the allowance is reduced by £1 for every £2 earned above the threshold, disappearing entirely at £125,140.
Why does Scotland have different tax rates?
The Scotland Act 2016 devolved Income Tax powers to the Scottish Parliament. Scotland now has 6 bands (Starter, Basic, Intermediate, Higher, Advanced, Top) with rates from 19% to 48%, while England, Wales, and Northern Ireland share 3 bands (20%, 40%, 45%).
What is National Insurance (NI) in 2025/26?
Class 1 Primary NI is paid by employees: 8% on earnings between £12,570 and £50,270 annually, and 2% above £50,270. NI funds the state pension, NHS, and other benefits. Employers pay a separate Class 1 Secondary rate (13.8%).
How are student loans deducted from my UK salary?
Student loan repayments are deducted automatically through PAYE. The rate (usually 9%, or 6% for Postgraduate) applies to income above a plan-specific threshold: Plan 1 (£26,065), Plan 2 (£28,470), Plan 4 (£32,745), Plan 5 (£25,000), Postgraduate (£21,000). You stop paying when the loan is cleared or 30–40 years pass.