UK Income Tax & Take-Home Pay Calculator — 2025-26
Find out exactly what you take home after Income Tax, National Insurance, student loan repayments and pension contributions. Uses 2025-26 tax year rates for England, Wales, Northern Ireland and Scotland. Particularly useful for graduates comparing salary offers or understanding the impact of their student loan plan.
Based on 2025-26 tax year rates. Salary sacrifice is on — your pension contribution reduces your taxable pay, NI and student loan repayments. This is an estimate only — consult your employer's payslip for the exact figure.
Enter your salary details on the left and press Calculate to see your take-home pay breakdown.