Take Home Pay Calculator

Calculate your net pay after income tax and National Insurance with our free online tool for the 2025/26 tax year. HMRC Tax Calculator

Take Home Tax Calculator

Results

Gross Pay: £

Your total pay before deductions.

Income Tax: £

Based on UK tax bands for 2025/26.

National Insurance: £

Class 1 NI contributions for 2025/26.

Student Loan Repayment: £

Based on your selected student loan plan.

Net Pay: £

Your take-home pay after all deductions.

Deduction Breakdown

Total Taxable Income: £

Total Deductions: £

Effective Tax Rate: %

Pay Summary

Disclaimer: These calculations are estimates based on UK tax rules for 2025/26 and your inputs. Actual take-home pay may vary due to additional deductions or allowances. For professional advice, consult a tax advisor or visit Government Tax Resources.

How to Use the Take Home Pay Calculator

Follow these simple steps to estimate your net pay for 2025/26:

Enter your annual gross salary in pounds (£).

Input your tax code (e.g., 1257L for standard personal allowance).

Select your pay frequency (annually, monthly, or weekly).

Choose your student loan plan, if applicable.

Click "Calculate" to see your net pay and deductions.

Get instant estimates for your take-home pay based on UK tax rules for April 2025.

Features of Our Take Home Pay Calculator

Calculates income tax based on 2025/26 UK tax bands.

Estimates National Insurance contributions accurately.

Supports student loan repayments for Plans 1, 2, 4, and 5.

Flexible pay frequency options (annual, monthly, weekly).

Accounts for custom tax codes for personalized calculations.

Responsive design for seamless use on any device.

Frequently Asked Questions

What is a take-home pay calculator?

A take-home pay calculator estimates your net pay after deductions like income tax, National Insurance, and student loan repayments based on your gross salary and tax code.

What is a tax code?

A tax code determines your tax-free personal allowance. The standard code for 2025/26 is 1257L, representing a £12,570 personal allowance.

How is income tax calculated?

Income tax is calculated based on UK tax bands: 0% on income up to £12,570, 20% on £12,571–£50,270, 40% on £50,271–£125,140, and 45% above £125,140 for 2025/26.

What are National Insurance contributions?

National Insurance contributions fund state benefits like the NHS and pensions. For 2025/26, it’s 8% on earnings between £12,570 and £50,270, and 2% above £50,270.