Take-Home Pay Calculator

Your take-home pay — sometimes called net pay or in-hand salary — is what actually arrives in your bank account after the Government and your employer have taken their cuts. For a typical UK employee in 2025/26, gross salary is reduced by income tax (20%, 40% or 45% above the £12,570 Personal Allowance), National Insurance (8% from £12,570 to £50,270, then 2%), any student loan repayment, and pension contributions. This calculator combines all those deductions into a single monthly and annual net figure so you can budget, compare job offers, or check your payslip is right. Scottish taxpayers use a 6-band system rather than the rUK 3-band: 19% Starter, 20% Basic, 21% Intermediate, 42% Higher, 45% Advanced, 48% Top. The biggest swing is the Higher rate kicking in at £43,663 in Scotland versus £50,270 in England, Wales and Northern Ireland — meaning a £60,000 salary takes home roughly £1,500 less in Scotland than south of the border. NI rates are UK-wide (NI is a reserved tax). Wales and Northern Ireland follow English bands and rates. The calculator handles the £100,000 Personal Allowance taper that produces a 60% effective marginal rate up to £125,140 (67.5% in Scotland), the four student loan plans (1, 2, 4, 5) plus Postgraduate Loan, salary sacrifice into pension (which reduces both income tax and NI), and Marriage Allowance adjustments. It does not handle non-standard tax codes (K-prefix, BR, D0, NT), benefits-in-kind that distort your code, court orders, season ticket loans, or share scheme deductions. Use the take-home figure as the starting point for monthly budgeting. If the result looks wrong versus your payslip, the usual culprits are: a wrong tax code on your payslip, employer pension scheme operating on a "net pay" or "salary sacrifice" basis you have not modelled, untaken P11D benefits, mid-year code changes, or being paid weekly/four-weekly which spreads the Personal Allowance differently. For just the tax component see the Income Tax calculator; for just NI use the National Insurance tool; for student loans, the Student Loan calculator gives plan-specific detail.