FREE UK TAX CALCULATOR

Salary After Tax Calculator

Calculate your exact UK take-home pay after income tax and National Insurance. Updated for the current HMRC tax year - enter your gross salary and get instant results.

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UNDERSTAND THE RESULT

How to use the Salary After Tax Calculator

Salary After Tax Calculator helps you model a UK tax scenario using the selected tax year and a live result panel. Calculate your exact take-home pay after income tax and NI for 2025/26. Free UK salary after tax calculator updated with HMRC rates. Instant results, no signup needed. This version is designed for 2025/26 and 2026/27 planning, so it is useful when you want a fast decision-support tool before reviewing payroll documents, Self Assessment entries, or adviser notes.

Start with Annual Gross Salary, England / Wales / NI and related options. In most cases you should use annual gross figures unless the label clearly asks for monthly amounts, percentages, or a plan selection. Choosing the right tax year matters because thresholds, allowances and repayment bands can move, and many users get better results by checking their payslip, P60, pension statement, or loan plan first rather than estimating from memory.

Use the result as a planning view rather than a final filing number. The output is strongest when you compare scenarios, such as changing pension contributions, testing a different income level, or checking whether a threshold like the £12,570 personal allowance or £50,270 higher-rate point changes the outcome. If the result affects a real filing, payroll setup, or household decision, validate it against official records.

2025/26 & 2026/27 RATES

Reference Figures for 2025/26 & 2026/27

Core numbers and planning anchors relevant to this calculation.

£12,570
Personal Allowance
£50,270
Higher-Rate Threshold
8%
Main Employee NI
2%
Upper NI Rate
£29,385 / £28,470
Plan 2 Threshold (2026/27 / 2025/26)
£3,250 / £3,130
Blind Allowance (2026/27 / 2025/26)
How To Use This Calculator
  1. Enter annual amounts in GBP unless the field explicitly asks for a percentage.
  2. Use gross/pre-tax values for salary or income inputs, and only allowable values for deductions/expenses.
  3. Select the correct tax year and plan/region options to match your situation.
  4. Results update live as you type. Use Set Compare Baseline to compare scenarios.

⚙️ Your Details

Covers England, Wales, Northern Ireland and Scotland for 2026/27 and 2025/26. Estimates for one employment with no other income.

Use an annual gross amount in GBP unless the label says otherwise.
Pick the year that matches the tax period you want to model.
Scotland has its own income tax rates and bands. Wales and Northern Ireland use the England rates.
Percentage of your salary. This is the total paid into your pension, including any tax relief your provider adds.
Choose the plan on your payslip or loan statement. Plan 5 repayments start from April 2026, so Plan 5 is only available for 2026/27.
Share URL copies a link that contains the figures you have entered.
Comparison mode: off

📊 Your Results

Enter your salary details and click Calculate to see your take-home pay.

FREQUENTLY ASKED QUESTIONS

Salary After Tax - Common Questions

For most UK taxpayers, the 2026/27 tax year is broadly the same as 2025/26. Income tax bands, the £12,570 personal allowance, and the main 8% / 2% employee National Insurance rates are frozen. The main planned differences are higher estimated student loan repayment thresholds and possible minor changes to Scottish income tax bands after the Scottish Budget.
On a 35,000 salary in 2025/26, you pay approximately 4,486 in income tax (20% on the 22,430 above the 12,570 personal allowance) and 1,794 in National Insurance (8% on earnings between 12,570 and 35,000). Your annual take-home pay is approximately 28,720 or 2,393 per month.
The personal allowance for 2025/26 is 12,570. The first 12,570 of your income is completely tax-free. If your income exceeds 100,000, the allowance reduces by 1 for every 2 earned above that - it is fully withdrawn once your income reaches 125,140.
For England, Wales and Northern Ireland in 2025/26: 0% on the first 12,570 (personal allowance), 20% basic rate on 12,571-50,270, 40% higher rate on 50,271-125,140, and 45% additional rate on income above 125,140. Scottish taxpayers have different bands: see the Scottish income tax question below.
Employees pay 8% NI on earnings between 12,570 and 50,270 per year, and 2% on earnings above 50,270. No NI is paid on the first 12,570 of income. Your employer also pays 15% employer NI on earnings above £5,000 - this is not deducted from your salary.
Earning over 100,000 triggers the Personal Allowance taper. Your personal allowance reduces by 1 for every 2 of income above 100,000. This creates an effective marginal tax rate of 60% on income between 100,000 and 125,140. At 125,140, you lose the personal allowance entirely. Consider pension contributions to reduce adjusted net income below 100,000.
Yes. Scotland sets its own income tax rates and bands, and this calculator uses them when you choose Scotland. The full list of bands is on Scottish Income Tax on GOV.UK.
Yes - pension contributions are one of the most effective ways to reduce your tax bill. Contributions reduce your adjusted net income, which can bring you into a lower tax band, protect your personal allowance (if you earn near 100,000), or reduce your Child Benefit High Income Tax Charge. Use our Pension Contribution Calculator to see exactly how much you could save.
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Deep Dive: UK Income Tax Guides

Our calculators give great estimates, but every tax situation is unique. Explore our in-depth guides:

📚 Income Tax Hub 💡 Tax Planning Strategies 📝 HMRC Rules & Compliance 🧮 All Calculators
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TaxYZ calculators provide estimates only based on standard HMRC rates for the 2025/26 tax year. Results may differ from your actual tax liability due to individual circumstances, non-standard tax codes, or employer arrangements. This is not financial advice. Always verify with HMRC or a qualified tax adviser.