🇬🇧 UK Take-Home Pay Calculator
Enter your gross annual salary to estimate your UK take-home pay after Income Tax and National Insurance, using current England and Wales PAYE bands.
How the UK Take-Home Pay Calculator works
Income Tax is calculated using the Personal Allowance and the Basic/Higher/Additional rate bands; National Insurance uses the standard Class 1 employee rate structure. Scotland has different Income Tax bands, which aren't included here.
Step-by-step calculation
- 1Enter your yearly salary.
- 2Apply the Personal Allowance and Income Tax bands.
- 3Subtract National Insurance.
Worked example
A £35,000 salary: Income Tax £4,486, National Insurance £1,794.40, take-home about £28,719.60 a year.
UK Take-Home Pay Calculator examples
| Gross annual salary (£) | Estimated take-home pay |
|---|---|
| 25,000 | £21,520 / year (estimate) |
| 35,000 | £28,720 / year (estimate) |
| 45,000 | £35,920 / year (estimate) |
| 60,000 | £45,357 / year (estimate) |
| 100,000 | £68,557 / year (estimate) |
Other inputs kept at the calculator's default values. Results calculated by this calculator.
Why use a UK Take-Home Pay Calculator?
Estimate UK take-home pay quickly.
Important factors that can affect your results
- Scottish tax bands differ.
- Pension contributions and student loans.
- Tax code changes.
Frequently asked questions
Does this apply to Scotland?
No — Scotland has its own Income Tax bands, which differ from England, Wales, and Northern Ireland. This calculator uses the non-Scottish rates.
Does this include student loan repayments or pension contributions?
No — this is a base Income Tax and National Insurance estimate only, without other deductions.
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Last reviewed November 2026 · How we build and check our tools · Report a problem