This UK salary calculator shows how your gross pay is converted into take-home pay for the 2025/26 tax year.
Income Tax, National Insurance, pension contributions and student loan repayments are applied in the same sequence used by HMRC. This lets you see how your net pay is calculated.
This calculation accounts for: UK and Scottish tax bands, all current student loan plans, salary sacrifice and relief-at-source pensions, and both annual and monthly salary inputs.
Take-home pay
| Yearly (£) | |||
|---|---|---|---|
| Total Income | 0.00 | 0.00 | |
| Base salary | 0.00 | 0.00 | |
| Earnings Breakdown | |||
| Taxable income | 0.00 | 0.00 | |
| Deductions | 0.00 | 0.00 | |
| Take Home Pay | 0.00 | 0.00 | |
Your take-home pay is estimated following the order HMRC uses for income tax and payroll deductions.
The calculation follows this sequence:
The rates and thresholds used are for the 2025/26 UK tax year, including Scottish bands where selected.
For official technical details on how payroll income tax calculations are defined, see the UK government's Payroll Technical Specification — Income Tax.
If your result doesn't match your payslip, a few things might explain the difference: your pension type (salary sacrifice vs relief at source), a non-standard tax code, multiple jobs, Scottish vs rest-of-UK tax bands, or a mid-year tax code change (more on this in Why Salary Calculators Give Different Results).
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England, no pension, no student loan, tax code 1257L.
£2,093.30/mo
England, no pension, no student loan, tax code 1257L.
£2,993.30/mo
With pension and student loan contributions switched off, net monthly pay is calculated assuming a 2025/26 tax year, a tax code of 1257L, and a sole PAYE employment. Full assumptions & methodology
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