Take-Home Pay Calculator
Calculate your UK salary after tax, National Insurance, student loan repayments and pension contributions for the 2025/26 tax year.
Your Details
Enter your gross annual salary before deductions
Scotland has different income tax bands
Percentage of gross salary contributed to pension via salary sacrifice
Adds an extra tax-free allowance if you are registered blind
Net Annual Pay
£25,119.60
From a £30,000.00 gross salary
Monthly
£2,093.30
Weekly
£483.07
Daily
£68.82
Effective Tax Rate
16.27%
Combined income tax, NI and student loan as a % of gross
Marginal Tax Rate
28%
Tax rate on the next pound you earn
Salary Breakdown
How your £30,000.00 gross salary is split
Income Tax Breakdown
| Band | Taxable Amount | Rate | Tax |
|---|---|---|---|
| Basic Rate | £17,430.00 | 20% | £3,486.00 |
| Total | £3,486.00 | ||
National Insurance Breakdown
| Band | Contribution |
|---|---|
| Main rate (8%) on earnings £12,570 - £50,270 | £1,394.40 |
| Total | £1,394.40 |
This calculator is for informational purposes only and does not constitute financial advice. Tax calculations are based on current HMRC rates and may not reflect your exact circumstances. Always consult a qualified financial adviser.
How is UK take-home pay calculated?
Your take-home pay is your gross salary minus all mandatory deductions. In the UK, these deductions include income tax, National Insurance contributions (NICs), student loan repayments and any workplace pension contributions made via salary sacrifice. The amount you owe depends on which tax year you are in, which country of the UK you live in, and your personal circumstances.
Income tax is charged on earnings above your Personal Allowance, which is currently frozen at £12,570.00 until April 2028. In England, Wales and Northern Ireland there are three taxable bands: Basic Rate (20%), Higher Rate (40%) and Additional Rate (45%). Scotland has its own six-band system with rates ranging from 19% to 48%. If your adjusted net income exceeds £100,000.00, your Personal Allowance is gradually reduced by £1.00 for every £2.00 over the threshold, creating an effective 60% marginal rate between £100,000.00 and £125,140.00.
National Insurance is a separate payroll tax. Employees pay 8% on earnings between the Primary Threshold (£12,570.00) and the Upper Earnings Limit (£50,270.00), then 2% on everything above. Student loan repayments are calculated at 9% (or 6% for Postgraduate Loans) of income above a plan-specific threshold. These thresholds vary by plan and are updated each April. Making pension contributions through salary sacrifice reduces both your income tax and NI bills, as the contribution is taken from your gross pay before tax is calculated. Our calculator applies these rules in real time so you can see exactly how every pound of your salary is allocated.
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