UK Take-Home Pay Calculator
See your net pay after UK income tax and National Insurance. Uses the 2024–25 tax year rates including the personal allowance of £12,570.
Per period breakdown
Annual summary
Worked example
On £40,000 gross, you take home £34,833.60/year (£2,902.80/month). Effective tax rate: 12.9%.
How UK tax works
UK income tax uses a personal allowance of £12,570 (tax-free), then 20% up to £50,270, 40% up to £125,140, and 45% above that. National Insurance (Class 1) is 8% on earnings between £12,570 and £50,270, then 2% above £50,270. Scotland has different income tax bands — this calculator uses England/Wales/NI rates.
What affects your take-home
- Scotland has different income tax bands (starter, basic, intermediate, higher, advanced, top)
- Workplace pension contributions reduce taxable income
- Student loan repayments are deducted separately (Plan 1, 2, 4, 5)
- Marriage Allowance can transfer up to £1,260 of personal allowance
- Salary sacrifice schemes reduce both tax and NI
Frequently asked questions
Is this calculator accurate for Scotland?
No. Scotland has separate income tax bands (starter 19%, basic 20%, intermediate 22%, higher 42%, advanced 45%, top 48%). This calculator uses England, Wales, and Northern Ireland rates.
What about student loan repayments?
Student loans are deducted after tax and NI. Plan 1 repays at 9% above £22,015/year, Plan 2 at 9% above £27,295/year, Plan 4 at 9% above £27,660/year, and Plan 5 at 9% above £25,000/year. This calculator does not include them.
How does workplace pension affect my take-home?
Auto-enrolment minimum contributions are 5% total (3% employer + 2% employee). Contributions are deducted before tax, reducing your income tax. NI is still paid on the full amount. Use the US Paycheck Calculator if you need US-specific retirement deductions.
What is Marriage Allowance?
If your income is below £50,270 and your spouse earns less than £12,570, they can transfer £1,260 of their personal allowance to you, saving up to £252/year.
How does this compare to a US paycheck?
Use the US Paycheck Calculator to compare. UK tax rates are generally lower, but National Insurance is similar to US FICA. The UK has no separate state/local income tax (except Scottish rates).