Take-Home Pay Calculator (UK)

See exactly how much salary you take home after tax, National Insurance, pension, and student loan deductions. Enter your details below to get an instant breakdown.

Calculate Your Take-Home Pay

This calculator uses England, Wales, and Northern Ireland tax rates for 2025/26.

Default is 5% (auto-enrolment minimum). Leave as 0 if no pension.

Understanding Your Results

The calculator shows your take-home pay broken down by:

  • Gross Salary – Your salary before any deductions
  • Pension Contribution – Amount deducted for your workplace pension
  • Income Tax – Tax calculated on your taxable income (after Personal Allowance)
  • National Insurance – NI contributions based on your earnings
  • Student Loan – Repayments if you have a student loan (9% of earnings above threshold)
  • Take-Home Pay – The amount that actually hits your bank account

For more detailed explanations, see our take-home pay guide.

Take-Home Pay Examples

See real examples of take-home pay for common UK salaries:

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