Finance & Money
Rates & guidance reviewed
Understanding your take-home pay helps with budgeting, salary negotiations and comparing job offers. This free UK income tax calculator estimates Income Tax and employee National Insurance for a given gross salary, then shows net pay per year, month and week.
You can model standard England, Wales and Northern Ireland tax bands, or switch to Scotland’s different Income Tax rates. Personal Allowance tapering above £100,000 is included. Optionally enter a simple pension contribution as a percentage of gross (a relief-at-source style estimate). Student loan repayments are not deducted here — estimate them separately and subtract from net pay.
Try the worked examples below (for example £30,000 ≈ £25,120 a year, or £45,000 ≈ £35,920) then enter your own salary. Figures use commonly published 2026/27-style bands and are guidance only. For employee, employer and self-employed National Insurance, use the dedicated NI calculator. Always check your payslip or HMRC for exact figures.
Illustrative UK bands · Personal Allowance £12,570 with £100k taper
Optional simple deduction before tax
Estimate only. Scottish bands are simplified. For pension salary sacrifice (tax and NI on reduced pay), use the salary sacrifice calculator. For a full employee / employer / self-employed NI breakdown, use the National Insurance calculator. Student loan deductions are not included here — use the student loan calculator. Benefits-in-kind and complex tax codes are not modelled.
Static sample calculations you can read without using the form. Figures match this tool's maths — always re-run with your own numbers for a personal estimate.
Common starter / early-career take-home query.
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Illustrative take-home using this tool’s simplified rUK bands.
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Common mid-salary scenario for mortgage affordability planning.
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Compare monthly net with mortgage + Council Tax when budgeting a home purchase.
Just under the usual higher-rate threshold on this model.
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Higher-rate territory begins above the basic-rate limit.
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Personal Allowance is still the full £12,570 at exactly £100,000; taper starts above that.
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Above £100,000 the Personal Allowance is reduced by £1 for every £2 of extra income.
Most employees see Income Tax and National Insurance deducted through PAYE. Income Tax applies to taxable income after allowances (and some reliefs). The standard Personal Allowance is often £12,570, but it is tapered once income exceeds £100,000, which can create a high effective marginal rate in that zone.
Employee Class 1 National Insurance is calculated on earnings above a primary threshold, with a lower rate above the upper earnings limit. Employer NI is a cost to the employer and is not taken from your net pay — compare both with the National Insurance calculator on this site.
Scotland sets its own Income Tax rates and bands while National Insurance remains UK-wide. Student loans are separate deductions based on plan type and threshold — estimate them with our student loan tool, then subtract from this page’s net figure for a fuller picture.
Lenders look at income and outgoings; you should too. Convert annual take-home to a monthly figure, then subtract a trial mortgage payment (mortgage calculator), Council Tax estimate, and other fixed costs. Stamp duty is usually paid from savings at purchase, not from monthly net pay — plan for it separately with the stamp duty calculator.
For England, Wales and Northern Ireland this tool uses a standard Personal Allowance of £12,570, then 20% on the next £37,700 of taxable income, 40% up to the additional-rate threshold, and 45% above that. Those slices match the commonly published 2026/27 rUK structure (basic rate to £50,270 of total income if you have a full Personal Allowance).
Example walk-through for £45,000 with no pension: taxable income is £45,000 − £12,570 = £32,430. All of that sits in the 20% band → Income Tax £6,486. Employee NI is 8% on earnings between £12,570 and £50,270 → £2,594.40. Take-home is £45,000 − £6,486 − £2,594.40 = £35,919.60 a year (about £2,993 a month).
Scotland uses its own starter, basic, intermediate, higher and top rates on non-savings, non-dividend income. National Insurance remains UK-wide. Switch the region control to compare the same salary under this tool’s simplified Scottish bands.
Above £100,000 of adjusted net income, the Personal Allowance is reduced by £1 for every £2 until it reaches zero (around £125,140). That withdrawal creates a high effective marginal rate on that slice of income — you lose allowance and still pay higher-rate tax on the extra pay.
At exactly £100,000 this tool still gives the full £12,570 allowance and about £68,557 take-home (no pension, rUK). Type a figure above £100,000 to see the allowance shrink. Pension contributions can reduce adjusted income and, in real PAYE, sometimes protect allowance — this page’s pension field is a simple taxable-pay reduction, not a full adjusted-net-income engine. Use the salary sacrifice calculator to compare sacrifice versus a non-sacrifice pension.
Always confirm rates, bands and eligibility on official pages. Our tools are simplified estimators for guidance only.