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 using the same step-by-step approach HMRC applies when assessing income tax and deductions from employment income.
The calculation follows this sequence:
This calculation reflects the current UK tax year and applies the correct rules for UK and Scottish tax bands, pension schemes and student loan plans.
For official technical details on how payroll income tax calculations are defined, see the UK government's Payroll Technical Specification — Income Tax.
There could be different reasons why there is minimal variance between this calculator and your payslip: pension in a different form (either salary sacrifice or relief at source), a non-standard tax code, multiple employments, salary sacrifice arrangements, Scottish vs rest-of-UK tax bands, or changes in tax code caused within the year (explained 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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