Simple Take-Home Calculator

How UK Take-Home Pay Calculation Works

This simple take-home pay calculator uses the latest HMRC tax rates and allowances to calculate your net pay after Income Tax and National Insurance deductions. The calculator handles both annual and monthly salary inputs, automatically converting between the two for accurate calculations.

For the 2025-26 tax year, the personal allowance is £12,570, meaning this amount is tax-free for most UK taxpayers. Income above this threshold is subject to UK Income Tax rates: 20% basic rate (£12,571 to £50,270), 40% higher rate (£50,271 to £125,140), and 45% additional rate (above £125,140).

National Insurance contributions are calculated separately using HMRC National Insurance rates. You pay 8% on earnings between £12,570 and £50,270, then 2% on earnings above £50,270. These contributions go towards your State Pension and other benefits.

This calculator provides a quick estimate for basic tax and National Insurance calculations. For more complex scenarios including pension contributions, student loans, or other deductions, consider using our full salary calculator. All calculations are based on official rates published by HM Revenue and Customs.