UK Take-Home Pay Calculator
Calculate your exact UK take-home pay after income tax, National Insurance, pension contributions, and student loan repayments. Supports all Scottish income tax bands for 2025/26.
(tax + NI)
(tax + NI)
Tax Band Breakdown
Based on 2025/26 tax year rates. Personal Allowance: £12,570. Scottish rates applied where selected. This is an estimate only and does not constitute financial advice.
How to Use UK Take-Home Pay Calculator
- Enter your annual gross salary (before tax).
- Select your tax region - England/Wales/NI or Scotland (Scottish rates differ significantly).
- Enter your employee pension contribution percentage if applicable.
- Select your student loan plan if you have one.
- Your take-home pay, monthly and weekly figures appear instantly.
How UK PAYE Tax Works
PAYE (Pay As You Earn) is the system HMRC uses to collect income tax and National Insurance directly from your wages before you receive them. Your employer deducts the correct amounts each pay period based on your tax code and the current tax bands.
2025/26 UK Tax Bands (England, Wales, NI)
| Band | Income Range | Tax Rate |
|---|---|---|
| Personal Allowance | £0 - £12,570 | 0% |
| Basic Rate | £12,571 - £50,270 | 20% |
| Higher Rate | £50,271 - £125,140 | 40% |
| Additional Rate | Over £125,140 | 45% |
2025/26 Scottish Income Tax Bands
| Band | Income Range | Tax Rate |
|---|---|---|
| Personal Allowance | £0 - £12,570 | 0% |
| Starter Rate | £12,571 - £14,876 | 19% |
| Basic Rate | £14,877 - £26,561 | 20% |
| Intermediate Rate | £26,562 - £43,662 | 21% |
| Higher Rate | £43,663 - £75,000 | 42% |
| Advanced Rate | £75,001 - £125,140 | 45% |
| Top Rate | Over £125,140 | 48% |
Compare how different salary levels affect your take-home pay with our £30,000 salary after tax page, or see how to reduce your tax bill with the Dividend vs Salary Calculator.