Salary Calculator UK (2026) – Take-Home Pay After Tax
Use our free UK salary calculator to work out your take-home pay (net salary) from your gross salary. Calculate Income Tax, National Insurance, pension contributions, and student loan deductions for the 2025/26 tax year.
See your salary broken down hourly, weekly and monthly – with UK tax rules applied.
Whether you're starting a new job, considering a pay rise, or planning your finances, understanding your true take-home pay is essential. Our salary calculator provides a detailed breakdown of your earnings, showing exactly how much you'll receive after all deductions.
Want the full context? Read our UK Tax Guide (2025/26) to understand tax bands, NI and how take-home pay is worked out.
Calculate Your Take-Home Pay
Enter your annual salary and select your tax year and any additional options like pension contributions or student loan repayments.
This calculator uses England, Wales, and Northern Ireland tax rates.
If you're comparing your pay to the legal minimum, see our UK minimum wage calculator to understand how hourly minimum wage converts to annual salary. For UK visa salary requirements, check the Immigration Salary List.
Your Salary Breakdown
The table below shows your estimated gross pay, deductions, and net take-home pay across different time periods based on the details you entered.
| Category | Yearly (£) | Monthly (£) | Weekly (£) | Daily (£) (approx) |
|---|---|---|---|---|
| Enter your details above and click Calculate to see your results. | ||||
Note: Daily figures assume a 5-day working week (Annual / 260). These are estimates and do not account for specific tax codes or benefits unless explicitly added. Calculations based on standard 2025/26 rates.
Take-Home Pay (Net Salary) from Gross Salary
Your take-home pay (also called net salary) is the amount you actually receive after all deductions. To calculate it, start with your gross salary and subtract:
- Income Tax – Based on your tax code and income level
- National Insurance (NI) – Social security contributions
- Pension contributions – If you're enrolled in a workplace pension
- Student loan repayments – If you have a student loan
The calculator above shows your gross salary, each deduction, and your final take-home pay in yearly, monthly, weekly, and daily amounts.
What Deductions Are Included?
Our salary calculator includes the main deductions that affect your take-home pay:
- Income Tax: Calculated using standard UK (England, Wales, and Northern Ireland) tax bands. For 2025/26, the Personal Allowance is £12,570. Income above this is taxed at 20% (basic rate), 40% (higher rate), or 45% (additional rate). Use our tax calculator for detailed tax breakdowns.
- National Insurance: NI contributions are calculated on earnings above £12,570. The rate is 8% between £12,570 and £50,270, then 2% above £50,270.
- Student Loan: Repayments are 9% of earnings above the threshold for your plan (Plan 1, Plan 2, Plan 4, or Postgraduate Loan). Learn more about student loan repayments.
- Pension Contributions: Workplace pension contributions are deducted from your gross pay. The calculator uses your specified percentage.
Monthly & Weekly Take-Home Pay Conversions
The calculator automatically converts your annual take-home pay into monthly and weekly amounts:
- Monthly take-home: Annual take-home pay ÷ 12
- Weekly take-home: Annual take-home pay ÷ 52
- Daily take-home: Annual take-home pay ÷ 260 (assuming a 5-day working week)
These conversions assume equal payments throughout the year. If you're paid weekly or monthly, your actual pay may vary slightly due to how your employer calculates deductions per pay period.
To convert between hourly rates and annual salary, use our hourly wage calculator or salary to hourly calculator.
Tax Code Impact
Your tax code affects how much Income Tax you pay. The standard tax code for 2025/26 is 1257L, which gives you the full Personal Allowance of £12,570.
If your tax code is different (for example, if you have benefits in kind, multiple jobs, or owe tax from previous years), your take-home pay may differ from the calculator's estimate. Learn more about UK tax codes.
For the most accurate calculation, check your payslip or use HMRC's online tax calculator with your specific tax code.
Common Scenarios
Bonus Payments
Bonuses are typically taxed at your marginal rate (the highest rate of tax you pay). If you receive a bonus, it may push you into a higher tax band for that pay period. Use our bonus tax calculator to see how much tax you'll pay on a bonus.
Salary Sacrifice Pension
With salary sacrifice, you give up part of your salary in exchange for pension contributions. This reduces your taxable income, so you pay less Income Tax and National Insurance. Calculate the impact of salary sacrifice on your take-home pay.
Pro Rata Salary
If you work part-time, your salary is calculated pro rata (proportionally) based on the full-time equivalent. Use our pro rata calculator to work out your part-time salary, then use this calculator to see your take-home pay.
For detailed official guidance, please refer to the HMRC website on Income Tax and National Insurance rates.
Frequently Asked Questions (FAQ)
How much salary will I take home?
Your take-home pay depends on your gross salary, tax code, and deductions. Enter your annual salary in the calculator above to see your exact take-home pay after Income Tax, National Insurance, pension contributions, and student loan repayments.
Can salary be less than minimum wage?
No. Your gross salary (before deductions) must meet the UK minimum wage for the hours you work. However, your take-home pay (after tax and deductions) can be less than the minimum wage hourly rate would suggest, because deductions are taken from your gross pay. Check UK minimum wage rates.
Are salary sacrifice schemes worth it?
Salary sacrifice can be beneficial because you save on Income Tax and National Insurance. You give up part of your salary in exchange for pension contributions, which reduces your taxable income. Use our salary sacrifice calculator to see the exact impact on your take-home pay.
How many times do you get paid a month?
Most UK employees are paid monthly (12 times per year) or weekly (52 times per year). Some are paid fortnightly (26 times per year) or four-weekly (13 times per year). The calculator shows monthly and weekly amounts based on annual figures divided by 12 and 52 respectively.
How many weeks/hours in a year?
There are 52 weeks in a year. For working hours, a full-time employee typically works 37.5 or 40 hours per week, which equals 1,950 or 2,080 hours per year (52 weeks × hours per week). Learn more about working hours in a year.
How are pension contributions handled?
Pension contributions are deducted from your gross salary before tax and NI calculations. This means you receive tax relief on your contributions. The calculator assumes standard pension contributions; if you have a salary sacrifice arrangement, the calculations may differ. Calculate salary sacrifice impact.
What about student loan repayments?
The calculator includes all major student loan plans (1, 2, 4, and Postgraduate Loan). Repayments are calculated based on your earnings above the relevant threshold for your plan. The calculator uses the latest thresholds and rates for 2025/26. Learn more about student loan repayments.
Does this include benefits in kind?
No, the calculator focuses on salary-based calculations. Benefits in kind (like company cars or private healthcare) are not included in these calculations as they are taxed differently.
How often is the calculator updated?
We update the calculator whenever HMRC announces new rates or thresholds, typically after each Budget and Autumn Statement. The 2025/26 figures are based on the latest available information.