UK Net Salary Calculator (2025/26)
Calculate your net salary and take-home pay after tax, National Insurance, pension contributions, and student loan deductions for the 2025/26 UK tax year.
Whether you're starting a new job, considering a pay rise, or planning your finances, understanding your true net salary is essential. Our calculator provides a detailed breakdown of your gross to net pay, helping you make informed financial decisions.
Calculate Your Take-Home Pay
Enter your annual salary and select your tax year, region, and any additional options like pension contributions or student loan repayments.
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.
Understanding Net Salary vs Gross Salary
When calculating your take-home pay, it's important to understand the difference between gross and net salary:
- Gross Salary: Your total annual earnings before any deductions (tax, NI, pension, etc.)
- Net Salary: Your take-home pay after all deductions have been made
- Net Pay: The actual amount you receive in your bank account
Our calculator helps you understand exactly how much you'll take home after all deductions for the 2025/26 tax year.
How the Calculation Works
Understanding your take-home pay involves several key components:
- Gross Salary: Your total annual earnings before any deductions.
- Taxable Income: Your Personal Allowance (£12,570 for 2025/26) is subtracted from your gross salary.
- Income Tax: Calculated on taxable income using UK tax bands (20%, 40%, 45% - Scotland differs).
- National Insurance (NI): Calculated using NI categories and thresholds.
- Pension Contributions: Your percentage contribution is deducted from gross pay.
- Student Loan: Repayments are calculated based on your plan and earnings threshold.
For detailed official guidance, please refer to the HMRC website on Income Tax and National Insurance rates.
Frequently Asked Questions (FAQ)
What's the difference between net salary and take-home pay?
Net salary and take-home pay are often used interchangeably, but they can have slight differences. Net salary typically refers to your salary after tax and National Insurance, while take-home pay includes all deductions including pension contributions and student loan repayments. Our calculator shows you both figures.
How is net salary calculated for 2025/26?
Net salary is calculated by subtracting all deductions from your gross salary. For 2025/26, this includes Income Tax (based on your tax band), National Insurance contributions, pension contributions, and any student loan repayments. The calculator uses the latest 2025/26 tax rates and thresholds.
Is this calculator accurate for Scotland?
This calculator includes specific Scottish tax bands and rates. However, tax rates and thresholds may change, so always verify with official Scottish tax resources for the most up-to-date figures.
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.
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.
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.
Can I use this calculator for 2024/25 tax year?
Yes, the calculator includes an option to select the 2024/25 tax year. However, for the most accurate results, we recommend using the 2025/26 rates as they reflect the latest tax changes and thresholds.