UK Take-Home Salary Calculator

Calculates income tax (including Scottish rates), National Insurance, pension contributions with salary sacrifice support, and student loan repayments. All calculations run in your browser — nothing is sent anywhere.

Standard personal allowance of £12,570
Scottish income tax rates apply if Yes
Employee contribution as % of gross annual salary
Reduces taxable pay and NI-able pay
Employer contribution as % of gross annual salary

For illustrative purposes only. Covers the 2025/26 and 2026/27 tax years. Student loan thresholds are subject to annual revision. Does not account for benefits in kind, savings income, dividends, or other PAYE adjustments. Always verify with HMRC or a qualified adviser.