1. What is the UK Salary Calculator?

The UK Salary Calculator estimates your take-home pay (net pay) after deductions like Income Tax, National Insurance, Student Loan repayments, and Pension Contributions for the 2025/26 tax year.

2. How Does the Calculator Work?

The calculator uses the formula:

Where:

• Income Tax - Based on 2025/26 tax bands (0% up to £12,570, 20% up to £50,270, 40% up to £125,140, 45% above)
• National Insurance - 12% up to £50,270, 2% above (no NI below £12,570)
• Student Loan - 9% above threshold (Plan 1: £22,015, Plan 2: £27,295, Plan 4: £27,660)
• Pension - Percentage of gross pay (default 5%)

3. Understanding Your Payslip

Details: The calculator shows a breakdown of all deductions to help you understand where your money goes each pay period.

4. Using the Calculator

Tips: Enter your annual gross salary before deductions. Select your student loan plan if applicable. Adjust pension contributions if different from the default 5%.

5. Frequently Asked Questions (FAQ)

Q1: Are the tax bands accurate for 2025/26?
A: This uses projected tax bands based on current government policy and inflation forecasts.

Q2: What about other deductions?
A: This calculator covers main deductions. Additional items like workplace benefits or union fees aren't included.

Q3: How accurate is the student loan calculation?
A: It assumes you're employed (not self-employed) and repay through PAYE. Actual amounts may vary slightly.

Q4: What if I have multiple jobs?
A: The calculator assumes a single employment. Multiple jobs may affect your tax code and deductions.

Q5: Does this include the personal savings allowance?
A: No, this calculator only considers employment income through PAYE.