About This Calculator
Built for UK workers, updated for every tax year
All calculations are based on rates published by HMRC and the Scottish Government. This tool provides estimates — always verify your exact tax position with HMRC or a qualified tax adviser.
About the Calculator
The UK Take-Home Pay Calculator is a free tool that helps UK employees and contractors understand exactly what they take home after PAYE deductions. Enter a gross salary in any period — annual, monthly, weekly, daily, or hourly — and get an instant, accurate breakdown of income tax, National Insurance, pension contributions, and student loan repayments.
Alongside the main calculator, the suite includes tools for salary comparison, day rate conversion, mortgage affordability, mortgage overpayment modelling, and pension projection.
About the Author
Built and maintained by Liam Wheldon, a software developer based in the UK. The calculator was created out of frustration with existing tools that were slow, hard to use on mobile, or didn't support Scottish income tax correctly.
All source code is available on GitHub. Feedback, bug reports, and feature requests are welcome via the GitHub repository.
How We Calculate Your Take-Home Pay
Calculations follow the PAYE rules published by HMRC each tax year:
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Personal Allowance (£12,570 for 2025/26) is deducted from gross income before applying income tax bands.
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Income tax is applied at the published rates for your region (England/Wales/NI or Scotland). Scottish taxpayers face different band thresholds and rates.
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National Insurance is calculated on gross earnings between the Primary Threshold (£12,570) and the Upper Earnings Limit (£50,270) at the main rate, then at the upper rate above that.
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Pension contributions are deducted before or after tax depending on the scheme type: salary sacrifice reduces gross pay before tax, while relief-at-source contributions are taken from net pay with HMRC adding basic-rate tax relief.
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Student loan repayments use the published annual thresholds and rates for each plan (Plan 1, 2, 4, 5, and Postgraduate Loan).
Tax Year Coverage
The calculator covers tax years 2023/24 through 2026/27. Rates for each year are sourced from:
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HMRC Income Tax rates and Personal Allowances — gov.uk
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HMRC National Insurance rates — gov.uk
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Scottish Government Budget — Scottish income tax rates and bands
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Student Loans Company — repayment thresholds
The calculator is updated each April ahead of the new tax year. The 2026/27 rates used are based on the rates confirmed following the Spring Budget.
Accuracy & Limitations
This calculator produces estimates based on standard PAYE rules. Results may differ from your actual payslip if you have:
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A non-standard tax code (e.g. due to underpaid tax or multiple jobs)
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Company benefits in kind (partially supported via the Benefits in Kind field)
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Self-employment income taxed under Self Assessment
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Capital gains or investment income
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Specific pension arrangements not covered by the standard models
For a precise figure, use the HMRC tax calculator at gov.uk or speak to a qualified accountant or tax adviser.
Calculate your take-home pay