UK Take-Home Pay Calculator
Calculate your UK take-home pay with our comprehensive suite of tax calculators. Get accurate results for Income Tax, National Insurance, pension contributions, and student loans.
Updated for the 2025-26 tax year with the latest HMRC rates and thresholds from the April 2025 budget.
HMRC Accurate
Official 2025-26 tax rates and thresholds
Privacy First
No personal data stored or tracked
Lightning Fast
Instant calculations and results
Mobile Ready
Perfect on all devices
Our UK Tax Calculators
Choose from our comprehensive range of calculators designed to handle every UK tax scenario. All calculators use the latest 2025-26 tax rates and are updated following each budget announcement.
Take-Home Pay Calculator
Most PopularCalculate your exact take-home pay from your gross salary. Includes Income Tax, National Insurance, pension contributions, and student loan repayments for all UK regions.
- • Income Tax (all bands)
- • National Insurance contributions
- • Pension contributions (all types)
- • Student loan repayments
- • Regional tax variations
Hourly Wage Calculator
Convert between hourly rates and annual salaries. Perfect for part-time workers, contractors, and anyone paid by the hour who wants to understand their annual earnings.
- • Hourly to annual conversion
- • Annual to hourly breakdown
- • Overtime calculations
- • Tax on hourly earnings
- • Weekly and monthly views
Required Salary Calculator
PopularWork backwards from your desired take-home pay to find the gross salary you need. Perfect for salary negotiations and financial planning.
- • Reverse tax calculation
- • Target take-home planning
- • Salary negotiation tool
- • Financial goal setting
- • Regional adjustments
Two Jobs Calculator
Calculate tax on multiple jobs with accurate BR (Basic Rate) tax code handling. Understand how your second job affects your overall tax liability.
- • Multiple employment tax
- • BR tax code calculations
- • Combined income analysis
- • Emergency tax scenarios
- • Cumulative tax effects
Part-Time Calculator
Calculate pro-rata salaries and part-time take-home pay. Perfect for flexible working arrangements and reduced hour contracts.
- • Pro-rata calculations
- • Flexible working hours
- • Reduced hour contracts
- • Part-time tax efficiency
- • Annual leave calculations
Bonus Tax Calculator
NewCalculate tax on bonuses, commissions, and one-off payments. Understand how additional payments affect your tax liability and take-home amount.
- • Bonus tax calculations
- • Commission tax rates
- • One-off payment tax
- • Additional rate impacts
- • Annual bonus planning
2025-26 Tax Year at a Glance
Key tax rates and thresholds following the April 2025 budget announcement
What's New in 2025-26?
- • Personal allowance remains frozen at £12,570 until April 2026
- • Higher rate threshold continues at £50,270 (fiscal drag effect)
- • National Insurance rates unchanged at 12% and 2%
- • Student loan thresholds updated for all plan types
- • Scottish Income Tax rates differ with additional bands
Understanding UK Tax Calculations
How UK Tax Works
UK tax is calculated through a progressive system where you pay different rates on different portions of your income. Your personal allowance (£12,570 for 2025-26) is tax-free, then you pay 20% basic rate tax, followed by 40% higher rate, and 45% additional rate for the highest earners.
National Insurance is calculated separately using similar thresholds but different rates. Understanding these calculations helps you plan your finances and maximize your take-home pay.
Regional Differences
While National Insurance rates are the same across the UK, Income Tax varies by region. Scotland has five tax bands with rates of 19%, 20%, 21%, 42%, and 47%, while England, Wales, and Northern Ireland use the standard three-band system.
Our calculators automatically apply the correct rates based on your selected region, ensuring accurate results wherever you work in the UK.
Frequently Asked Questions
How accurate are the tax calculations?
Our calculators use official HMRC tax rates and thresholds for the 2025-26 tax year. They provide accurate estimates for standard tax situations, including all regional variations and the latest budget changes.
Do you store my personal information?
No, we don't store any personal data. All calculations are performed in your browser, and no salary information is transmitted to our servers. Your privacy is completely protected.
What taxes are included in the calculations?
Our calculators include Income Tax (all bands), National Insurance Class 1 contributions, pension contributions (auto-enrolment, salary sacrifice, and personal), and student loan repayments for all plan types.
Can I use this for Scottish tax calculations?
Yes, our calculators support all UK regions including Scotland's different Income Tax bands, Wales, and England & Northern Ireland. Simply select your region for accurate calculations.