£Finance
UK Salary Calculator (2025/26)
Understanding your actual take-home pay is essential for financial planning — yet the UK tax system makes it surprisingly complex. This UK salary calculator uses the 2025/26 PAYE tax bands, National Insurance thresholds, and personal allowance to give you an accurate breakdown of your net monthly and annual pay. Enter your gross salary, and instantly see how much goes to Income Tax, National Insurance, and how much lands in your bank account.
Enter your annual gross salary to see your take-home pay
2025/26 tax year. Standard personal allowance. Does not include pension, student loan, or other deductions.
Frequently Asked Questions
What is the personal allowance for 2025/26?
The standard Personal Allowance is £12,570 for 2025/26. This is the amount you can earn before paying any Income Tax. It is reduced by £1 for every £2 earned above £100,000.
What are the UK income tax bands for 2025/26?
The basic rate is 20% on income from £12,571 to £50,270. The higher rate is 40% on income from £50,271 to £125,140. The additional rate is 45% on income above £125,140.
How is National Insurance calculated?
Employees pay 8% NI on earnings between £12,570 and £50,270 per year, and 2% on earnings above that (Class 1 employee contributions for 2025/26).
Does this calculator include pension contributions?
This calculator shows take-home pay before pension contributions. If you contribute to a workplace pension, subtract your contribution percentage from the result to find your actual bank deposit.
What is the NI threshold for 2025/26?
The Primary Threshold (the point at which employees start paying NI) is £12,570 per year (£1,047.50 per month) for 2025/26.
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