1. What is the UK Salary Calculator?

The UK Salary Calculator estimates your take-home pay (net salary) after accounting for Income Tax, National Insurance contributions, student loan repayments, and pension contributions for the 2025-2026 tax year.

2. How Does the Calculator Work?

The calculator uses the following formula:

Where:

• Income Tax - Calculated using 2025-26 UK tax bands and rates
• National Insurance - Calculated using 2025-26 NI thresholds and rates
• Student Loan - Based on your repayment plan and thresholds
• Pension Contributions - Percentage of gross salary you contribute

3. Understanding UK Tax Bands (2025-26)

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

National Insurance: 12% on earnings between £12,576 to £50,268, 2% on earnings above £50,268

4. Using the Calculator

Instructions: Enter your gross annual salary, select your student loan plan (if applicable), and enter your pension contribution percentage (default is 5%).

5. Frequently Asked Questions (FAQ)

Q1: Are the tax rates accurate for 2025-26?
A: This calculator uses projected rates for 2025-26 based on current government plans and inflation adjustments.

Q2: What if I have multiple student loans?
A: You would need to calculate each plan separately and add the amounts together.

Q3: Does this include other deductions like workplace benefits?
A: No, this calculator only includes the standard statutory deductions.

Q4: How accurate is the pension calculation?
A: This assumes standard percentage contributions. Salary sacrifice or tiered contributions would require different calculations.

Q5: What about Scottish taxpayers?
A: Scottish income tax rates differ slightly. This calculator uses UK-wide rates.