UK Tools

Finance & Money

UK Income Tax / Take-home Pay Calculator

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.

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 for a more realistic net figure.

Results are estimates based on common 2024/25-style rates for guidance. They do not cover student loans, pension contributions, benefits-in-kind or Scottish-specific nuances beyond the main bands. Always check your payslip or HMRC for exact figures.

Interactive tool

Estimated take-home pay

Annual take-home£35,919.60
Monthly (÷12)£2,993.30
Weekly (÷52)£690.76
Gross salary£45,000.00
Personal Allowance£12,570.00
Taxable income£32,430.00
Income Tax£6,486.00
National Insurance£2,594.40

Estimate only. Excludes student loans, pension contributions, benefits and tax code adjustments. Scottish bands are simplified — check Revenue Scotland for the latest tables.

How to use this tool

  1. Enter your gross annual salary (before tax).
  2. Select England/Wales/NI or Scotland tax rules.
  3. Optionally adjust if you want a simple monthly or weekly breakdown.
  4. Review estimated tax, National Insurance and net take-home pay.
  5. Compare scenarios by changing the salary or nation.

Frequently asked questions

Which tax year do the rates reflect?
Rates are aligned with commonly published UK bands (Personal Allowance £12,570, basic/higher/additional rates, and Scottish bands). Always verify against the current HMRC tax year tables.
Is National Insurance included?
Yes. Employee Class 1 NI is estimated using standard main and higher rates above the primary threshold. Employer NI is not deducted from take-home pay.
Does it include student loan repayments?
Not in this version. Student loan plan deductions would reduce take-home further if applicable.
Why is the Personal Allowance reduced on high salaries?
Above £100,000 of adjusted net income, the Personal Allowance is tapered by £1 for every £2 over £100,000 until it reaches zero.
Is Scotland different?
Yes. Scotland has its own income tax bands and rates. Select Scotland in the tool to use those bands; NI still follows UK-wide rules.

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