Precision Utility
UK Salary
Calculator
Tax Year
2025/26
Personal Allowance
£12,570
Salary calculator built for UK employees and contractors. Enter your gross annual salary and the calculator works out your take-home pay after income tax, National Insurance, student loan repayments and pension contributions. Results update instantly and reflect current HMRC rates for the 2025/26 tax year. View your breakdown yearly, monthly or weekly.
Income Details
Annual Take-Home Pay
£28,432
Income Tax
£4,486
National Insurance
£2,082
Gross Income
£35,000
Pension
£1,750
Student Loan
£0
Effective Tax Rate
18.8%
How the salary calculator works
Start by entering your annual gross salary — that's your total pay before any deductions. The calculator applies the current HMRC income tax bands and National Insurance thresholds for the 2025/26 tax year to work out exactly how much you take home.
Set your tax code (most people use 1257L), choose a student loan plan if you have one, and enter your pension contribution as a percentage or fixed amount. The calculator deducts pension before calculating tax if you're on salary sacrifice, giving you an accurate net pay figure.
Results appear instantly in the main card as your annual take-home pay. Use the frequency toggle to switch between yearly, monthly and weekly views. The breakdown cards below show each deduction separately so you can see exactly where your money goes.
Open the tax band breakdown to see how your income is split across the Personal Allowance, basic rate, higher rate and additional rate bands. The National Insurance table shows the same split for NI contributions.
What you need to know about UK income tax 2025/26
The UK tax system uses progressive bands. You don't pay the same rate on all your income — each band only applies to the portion of earnings that falls within it. Here are the key thresholds for the 2025/26 tax year:
- Personal Allowance: £12,570 — the amount you earn tax-free. This tapers by £1 for every £2 earned above £100,000
- Basic rate (20%): applies to income between £12,571 and £50,270
- Higher rate (40%): applies to income between £50,271 and £125,140
- Additional rate (45%): applies to income above £125,140
- National Insurance: 8% on earnings between £12,570 and £50,270, then 2% above that
Student loan repayments are collected at 9% of income above the plan threshold (6% for Postgraduate loans). These are not taxes — they're repayments on your student debt and stop once the loan is cleared.
For the latest rates and thresholds, check the official HMRC income tax rates page on GOV.UK.
Frequently asked questions
How much tax will I pay on my salary in 2025/26?
Your income tax depends on your earnings above the Personal Allowance of £12,570. You pay 20% on income between £12,571 and £50,270 (basic rate), 40% between £50,271 and £125,140 (higher rate), and 45% on anything above £125,140 (additional rate).
What is the Personal Allowance for 2025/26?
The Personal Allowance for the 2025/26 tax year is £12,570. This is the amount you can earn before paying any income tax. It reduces by £1 for every £2 earned above £100,000, disappearing entirely at £125,140.
How much National Insurance do I pay?
For 2025/26, employees pay 8% National Insurance on earnings between £12,570 and £50,270, and 2% on earnings above £50,270. You don't pay NI on the first £12,570 of your salary.
How do student loan repayments work?
Student loan repayments are deducted automatically from your salary once you earn above the threshold. Plan 1 starts at £24,990, Plan 2 at £27,295, Plan 4 at £31,395, and Postgraduate loans at £21,000. You repay 9% of income above the threshold (6% for Postgraduate).
Does pension contribution reduce my tax?
Yes. Workplace pension contributions made through salary sacrifice reduce your gross pay before tax and NI are calculated, so you pay less tax. Relief-at-source pensions are deducted after tax, but the pension provider claims back basic rate tax on your behalf.
What is the average UK salary in 2025?
The median full-time salary in the UK is around £35,000 per year as of 2025, according to ONS data. However, salaries vary significantly by region, sector and experience level.
What does my tax code mean?
The most common tax code is 1257L, which means you have the standard Personal Allowance of £12,570. The number represents your tax-free amount (multiply by 10), and the letter indicates your situation — L means you're entitled to the standard allowance.