1. What is the UK Salary Calculator?

The UK Salary Calculator estimates your take-home pay (net pay) after deductions for Income Tax, National Insurance, Student Loan repayments, and Pension Contributions based on 2025/26 tax year 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 based on 2025/26 tax bands and rates
• National Insurance — Calculated using 2025/26 NI thresholds and rates
• Student Loan — Based on your repayment plan and threshold
• Pension Contributions — Percentage of salary you contribute

3. Understanding UK Tax Bands

2025/26 Tax Year Rates:

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

National Insurance:

• 12% on earnings between £12,570 and £50,270
• 2% on earnings above £50,270

4. Using the Calculator

Instructions: Enter your gross annual salary, select your student loan plan (if applicable), and enter any pension contributions as a percentage of your salary.

5. Frequently Asked Questions (FAQ)

Q1: Are the tax rates accurate for 2025/26?
A: This calculator uses the announced rates and thresholds for the 2025/26 tax year. Always verify with HMRC for official calculations.

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.

Q3: Is pension contribution tax relief included?
A: This calculator assumes salary sacrifice or relief at source pension contributions.

Q4: What about other deductions?
A: This calculator doesn't account for other deductions like workplace benefits, union fees, or charitable giving.

Q5: How accurate is this calculator?
A: It provides a good estimate but for exact figures, consult your payroll department or HMRC.