UK Salary Calculator

Our salary calculator helps you understand exactly how much money you'll take home from your gross salary after all deductions.

What You Need to Know

Enter your gross annual salary, and we'll calculate your take-home pay including:

• Income Tax: Based on current UK tax bands
• National Insurance: Employee contributions
• Pension Contributions: If you contribute to a workplace pension
• Student Loan Repayments: For Plan 1, 2, or 4 loans

Scotland Tax Rates

If you live in Scotland, different income tax rates apply. Make sure to select the Scotland option for accurate calculations.

The calculator shows your take-home pay broken down by:

• Annual, monthly, weekly, and daily amounts
• Detailed breakdown of all deductions
• Your effective tax rate
• Your marginal tax rate

The calculator uses the latest UK tax rates:

• Personal Allowance: £12,570
• Basic Rate: 20% on income £12,571 - £50,270
• Higher Rate: 40% on income £50,271 - £125,140
• Additional Rate: 45% on income over £125,140

Scotland Tax Rates 2025/26

• Starter Rate: 19% on income £12,571 - £14,876
• Basic Rate: 20% on income £14,877 - £26,561
• Intermediate Rate: 21% on income £26,562 - £43,662
• Higher Rate: 42% on income £43,663 - £75,000
• Advanced Rate: 45% on income £75,001 - £125,140
• Top Rate: 48% on income over £125,140

National Insurance Rates

National Insurance is charged at 12% on earnings between £12,570 and £50,270, then 2% on earnings above £50,270.

Student Loan Repayments

Student loan repayments are calculated at 9% of income above the threshold:

• Plan 1: £22,015 threshold
• Plan 2: £27,295 threshold
• Plan 4 (Scotland): £31,395 threshold

Consider these strategies to optimize your take-home pay:

• Pension Contributions: Increase pension contributions to reduce taxable income
• Salary Sacrifice: Explore salary sacrifice schemes for benefits like cycle-to-work or childcare vouchers
• Tax-Free Benefits: Take advantage of employer benefits that don't attract tax
• ISA Investments: Use ISAs for tax-efficient savings and investments

Always consult with a financial advisor for personalized advice on tax planning strategies.