Frequently Asked Questions

Your take-home pay is calculated by deducting the following from your gross salary:

• Income Tax (based on your tax band)
• National Insurance contributions
• Pension contributions (if applicable)
• Student loan repayments (if applicable)

Use our Salary Calculator to get a detailed breakdown of your take-home pay.

The tax bands for 2025/26 are:

• Personal Allowance: £12,570 (0% tax)
• Basic Rate: £12,571 to £50,270 (20% tax)
• Higher Rate: £50,271 to £125,140 (40% tax)
• Additional Rate: Above £125,140 (45% tax)

Note: These rates may vary in Scotland. Check our tax code guide for more information.

Student loan repayments are calculated as follows:

• Plan 1: 9% of earnings above £22,015
• Plan 2: 9% of earnings above £27,295
• Plan 4 (Scotland): 9% of earnings above £25,000
• Postgraduate: 6% of earnings above £21,000

Use our Salary Calculator to see how student loans affect your take-home pay.

Pension contributions can affect your salary in several ways:

• Auto-enrolment requires minimum contributions of 8% (5% from you, 3% from employer)
• Contributions reduce your taxable income
• Salary sacrifice can save on National Insurance
• Tax relief is available on contributions

Calculate your pension impact using our Pension Calculator.

Salary sacrifice can provide several benefits:

• Reduced income tax and National Insurance
• Lower student loan repayments
• Reduced child benefit tax charges
• Lower personal allowance tapering

Learn more about salary sacrifice or use our calculator.

Our calculators use the latest HMRC tax rates and thresholds for 2025/26. However, please note:

• Results are estimates based on the information provided
• Actual take-home pay may vary due to specific circumstances
• Additional deductions may apply (e.g., union fees, benefits)
• Scottish tax rates may differ

For precise calculations, consult with a financial advisor or HMRC.

Currently, our calculators don't save results automatically. However, you can:

• Take screenshots of your results
• Use the print function to save as PDF
• Bookmark the page with your inputs

We're working on adding save functionality in future updates.