Precision Utility
Take-Home Pay
Calculator
Tax Year
2025/26
Personal Allowance
£12,570
Take-home pay calculator built for UK employees. Enter your annual salary, pension contribution and student loan plan to see your net pay after income tax, National Insurance and all deductions. Results update instantly and reflect current HMRC rates for the 2025/26 tax year. View your breakdown annually, monthly, weekly or daily.
Income Details
Annual Take-Home Pay
£0
Annual
£0
Monthly
£0
Weekly
£0
Daily
£0
Income Tax
£0
National Insurance
£0
Pension
£0
Student Loan
£0
Total Deductions
£0
Effective Tax Rate
0%
How the take-home pay calculator works
Start by entering your annual gross salary using the slider or typing directly into the input field. 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 after every deduction.
Set your pension contribution as a percentage of your gross salary. The calculator deducts pension before calculating tax and NI (salary sacrifice), which means your pension saves you money on both income tax and National Insurance contributions.
Choose your student loan plan if you have one. The calculator works out repayments based on the correct threshold and rate for your plan. If you're a Scottish taxpayer, tick the checkbox to apply Scotland's six-band income tax rates instead of the standard England and Wales rates.
Results appear instantly across four time periods: annual, monthly, weekly and daily take-home pay. The deduction cards below show a complete breakdown of income tax, NI, pension and student loan amounts so you can see exactly where your money goes.
What you need to know about take-home pay in 2025/26
Your take-home pay is what lands in your bank account after all compulsory deductions. Understanding each deduction helps you plan your finances and spot opportunities to keep more of your earnings. Here are the key thresholds for the 2025/26 tax year:
- Personal Allowance: £12,570 tax-free. This tapers by £1 for every £2 earned above £100,000, disappearing entirely at £125,140
- Basic rate (20%): income between £12,571 and £50,270
- Higher rate (40%): income between £50,271 and £125,140
- Additional rate (45%): income above £125,140
- National Insurance: 8% on earnings between £12,570 and £50,270, then 2% above that
- Scottish rates: six bands from 19% (starter) up to 48% (top rate) for Scottish taxpayers
Student loan repayments are collected at 9% of income above the plan threshold (6% for Postgraduate loans). These are repayments on your student debt and stop once the loan is cleared. Pension contributions through salary sacrifice reduce your taxable pay, lowering both your income tax and NI bill.
For the latest rates and thresholds, check the official HMRC income tax rates page on GOV.UK.
Frequently asked questions
How is take-home pay calculated in the UK?
Take-home pay is your gross salary minus income tax, National Insurance, pension contributions and any student loan repayments. The calculator applies current HMRC 2025/26 tax bands progressively — you only pay higher rates on the portion of income that falls within each band, not your entire salary.
What affects my take-home pay the most?
Income tax is usually the largest deduction, especially above the basic rate threshold of £50,270. Pension contributions also have a big impact — a 5% pension on a £40,000 salary reduces your taxable income by £2,000 and saves you tax and NI on that amount.
What does my tax code mean for take-home pay?
Your tax code determines your Personal Allowance — the amount you earn tax-free. The standard code 1257L gives you £12,570 tax-free. A different code means HMRC has adjusted your allowance, which directly changes how much tax you pay and your take-home pay.
How much does pension contribution reduce my take-home pay?
Pension contributions reduce your gross pay before tax is calculated (salary sacrifice). While your take-home falls by less than the contribution amount because you save on tax and NI. For example, a 5% pension on £35,000 costs £1,750 gross but only reduces take-home by around £1,295.
How do student loan repayments affect my take-home pay?
Student loan repayments are deducted at 9% of income above the plan threshold (6% for Postgraduate loans). Plan 1 starts at £22,015, Plan 2 at £27,295, Plan 4 at £27,660, Plan 5 at £25,000, and Postgraduate at £21,000. These reduce your net pay but are not taxes.
How does Scottish income tax differ from English tax?
Scotland has six income tax bands instead of three. The starter rate is 19%, basic rate 20%, intermediate 21%, higher 42%, advanced 45% and top rate 48%. Scottish taxpayers generally pay slightly more tax on incomes above £28,867 compared to the rest of the UK.