UK salary · Free calculator
UK Salary Calculator
See your take-home pay after income tax, National Insurance, pension, and student loan — for England, Wales, Northern Ireland or Scotland.
£
£0£300k
Tax year
Region
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Provider claims back basic-rate tax on your contribution.
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£
£0£50k
Annual take-home
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Monthly
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Weekly
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Where your salary goes
Take-home Income tax NI Pension
Deductions breakdown
Per year Per month
- Gross salary
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- − Salary sacrifice pension
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- − National Insurance
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- − Income tax
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- − Pension contribution
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- = Take-home
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Effective rates
- Income tax
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- National Insurance
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- Combined
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Total employment package
- Gross salary
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- + Employer pension
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- Total package
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How UK income tax works
- Personal Allowance (£12,570) — tax-free. Tapers by £1 per £2 earned above £100k; gone at £125,140.
- Basic rate (20%) — £12,571–£50,270
- Higher rate (40%) — £50,271–£125,140
- Additional rate (45%) — above £125,140
Scotland sets its own rates with 7 bands from 19%–48%.
Pension types explained
- Relief at Source — you pay from net pay; pension provider reclaims 20% basic rate from HMRC.
- Net Pay Arrangement — contribution deducted before tax, reducing your taxable income directly.
- Salary Sacrifice — your contractual salary is reduced; saves NI as well as income tax.