Pay After Tax Calculator UK (2025/26)
Use our salary calculator or hourly wage calculator to estimate your pay after tax.
Calculate pay after tax calculator estimates help you understand your take-home pay. Learn how Income Tax and National Insurance affect your earnings, then use our calculators for detailed breakdowns.
What Is Pay After Tax?
Pay after tax (also called take-home pay or net pay) is the amount you receive after all deductions, including:
- Income Tax - Based on your income level and tax code
- National Insurance - Social security contributions
- Pension Contributions - Workplace pension deductions
- Student Loan Repayments - If applicable
How to Use an After Tax Calculator UK
An after tax calculator UK estimates your take-home pay by:
- Taking your gross salary or hourly rate
- Calculating Income Tax based on current rates and thresholds
- Calculating National Insurance contributions
- Subtracting these deductions to show your net pay
For detailed calculations, use our tax calculator or salary calculator to see exact take-home pay.
Main Deductions Explained
Income Tax
Income Tax is charged at different rates:
- Personal Allowance: Tax-free income (varies by tax year)
- Basic Rate (20%): On income above the personal allowance
- Higher Rate (40%): On income above the higher rate threshold
- Additional Rate (45%): On income above the additional rate threshold
National Insurance
National Insurance is deducted separately and depends on your earnings level and NI category.
Use Our Calculators
Get accurate estimates of your pay after tax:
- Salary calculator - Calculate take-home pay from annual salary (primary CTA)
- Hourly wage calculator - Calculate take-home pay from hourly rates (secondary CTA for hourly workers)
- Wages after tax UK guide - Learn more about deductions
Important Notes
Our calculators provide estimates based on standard assumptions. Your actual pay after tax may vary due to:
- Your specific tax code
- Scotland tax rates (if applicable)
- Pension contributions and salary sacrifice
- Student loan plan and repayments
- Benefits in kind
Always verify with official HMRC sources for definitive tax calculations.
Frequently Asked Questions
How do I calculate pay after tax calculator?
To calculate pay after tax, subtract Income Tax and National Insurance from your gross salary. Use our salary calculator or hourly calculator to get accurate estimates based on your income level and tax code.
What is an after tax calculator UK?
An after tax calculator UK estimates your take-home pay by calculating deductions for Income Tax and National Insurance based on UK tax rates and thresholds. It shows what you'll actually receive after all deductions.
Is the pay after tax calculator accurate?
Our calculators provide estimates based on standard tax rates and thresholds. Your actual take-home pay may vary based on your tax code, pension contributions, student loans, Scotland rates, and other factors. Always verify with official HMRC sources for definitive figures.
Does the calculator include pension deductions?
Our basic calculators show Income Tax and National Insurance. For detailed pension calculations, including salary sacrifice, use our dedicated pension calculator.