1. What is the UK Salary Calculator?

The UK Salary Calculator estimates your take-home pay (net salary) after deductions for 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 following formula:

Where:

• Gross Pay — Your annual salary before deductions
• Income Tax — Calculated using 2025-26 tax bands
• National Insurance — Calculated based on weekly earnings
• Student Loan — 9% of earnings above threshold (Plan 1/2/4)
• Pension Contributions — Percentage of gross salary

3. Understanding UK Tax Brackets

2025-26 Tax Year:

• Personal Allowance: £0 - £12,570 (0% tax)
• Basic Rate: £12,571 - £50,270 (20% tax)
• Higher Rate: £50,271 - £125,140 (40% tax)
• Additional Rate: Above £125,140 (45% tax)

4. Using the Calculator

Tips: Enter your gross annual salary, select your student loan plan (if applicable), and enter your pension contribution percentage. The calculator will estimate your take-home pay.

5. Frequently Asked Questions (FAQ)

Q1: Are the tax bands different in Scotland?
A: Yes, Scotland has different income tax bands. This calculator uses the rates for England, Wales, and Northern Ireland.

Q2: How accurate is this calculator?
A: It provides a good estimate but doesn't account for all possible deductions (e.g., workplace benefits, tax codes other than 1257L).

Q3: What's the difference between student loan plans?
A: Plan 1 (pre-2012 England/Wales/NI), Plan 2 (post-2012 England/Wales), and Plan 4 (Scotland) have different repayment thresholds.

Q4: Is pension contribution tax-deductible?
A: Yes, pension contributions are deducted before calculating taxable income.

Q5: How often will I be paid my net salary?
A: This calculator shows annual figures. Monthly pay would be approximately 1/12th of the net annual amount.