1. What is the UK Salary Calculator?

The UK Salary Calculator for 2025-26 helps you estimate your take-home pay after deductions for income tax, National Insurance, student loan repayments, and pension contributions based on the latest UK tax rates and thresholds.

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 UK tax brackets
• National Insurance — Calculated using 2025-26 NI rates
• Student Loan — Based on your repayment plan (if applicable)
• Pension Contributions — Percentage of salary you contribute

3. Understanding UK Tax Brackets 2025-26

Income Tax:

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

National Insurance:

• Primary Threshold: £12,570 - £50,270 (12%)
• Above £50,270 (2%)

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 show your estimated take-home pay and all deductions.

5. Frequently Asked Questions (FAQ)

Q1: Are these tax rates confirmed for 2025-26?
A: This calculator uses projected rates based on current government announcements. Actual rates may vary slightly.

Q2: What's the difference between student loan plans?
A: Plan 1 (pre-2012 England/Wales), Plan 2 (post-2012 England/Wales), Plan 4 (Scotland) have different repayment thresholds and interest rates.

Q3: Is pension contribution tax-free?
A: Yes, pension contributions are deducted before tax is calculated, reducing your taxable income.

Q4: What about other deductions?
A: This calculator covers standard deductions. Your actual pay may include other deductions like workplace benefits or union fees.

Q5: How accurate is this calculator?
A: It provides a good estimate but doesn't account for all individual circumstances. For precise figures, consult a payroll specialist.