Everything about UK pay: take-home calculations, payslip decoding, tax codes, salary sacrifice, redundancy, maternity, the National Living Wage and pay scales for major professions.
On a £40,000 UK salary in 2025/26 you take home £32,290 net (£2,691/month). Income tax £5,486, NI £2,194. Full breakdown with pension and student loan variants
On a £100,000 UK salary you take home £67,803 net (£5,650/month). But every pound earned above £100k is hit by the 60% effective tax rate due to the personal allowance taper. Full breakdown
On Universal Credit, every £1 you earn above your work allowance reduces UC by 55p (the taper rate). Here's how the work allowance, taper rate and 2025/26 rates actually work, with worked examples
UK Tax-Free Childcare gives parents £2 for every £8 you pay into your childcare account (up to £2,000/year per child, £4,000 if disabled). Here's exactly how it works and the eligibility traps
On a £5,000 bonus a higher-rate UK taxpayer keeps £2,900 after income tax + NI + student loan + pension. Here's why bonus tax often feels punitive, the 60% trap, and how to legally keep more
£125,000 a year after tax in 2025/26 is about £77,032 net (£6,419/month). Full UK breakdown: personal allowance fully tapered, the 60% trap, when the additional rate begins and why £125,140 is the most expensive £1 in UK pay.
On a £150,000 UK salary you take home roughly £91,883 net (£7,657/month). The £100k–£125,140 band costs you 60% effective tax. Full 2025/26 breakdown and the pension salary-sacrifice fix.
£200,000 a year after tax in 2025/26 is about £117,335 net (£9,778/month). Full UK breakdown: 45% additional rate, lost personal allowance, NI, pension tapering risk and the real tax cost on a £200k salary.
£25,000 a year after tax in 2025/26 is £21,540 net (£1,795/month). Roughly what a 40-hour National Living Wage worker earns. Full breakdown of income tax, NI, Universal Credit interaction and the marginal rate that really matters at this salary.
£35,000 a year after tax in 2025/26 is £28,966 net (£2,414/month). Full breakdown of income tax, NI, pension and student loan deductions on a £35k salary — close to the UK median full-time wage.
£45,000 a year after tax in 2025/26 is £35,966 net (£2,997/month). Full UK breakdown of income tax, NI, student loan and pension on a £45k salary — squarely inside the basic rate band but close to the higher-rate threshold.
£55,000 a year after tax in 2025/26 is £42,936 net (£3,578/month). Full UK breakdown of income tax, NI and pension on a £55k salary — your first £4,730 inside the 40% higher-rate band.