UK Take-Home Pay Calculator
See your UK take-home pay. Enter your annual gross salary and the calculator deducts income tax and National Insurance to show your net pay per year and per month, using 2024/25 rates for England, Wales and Northern Ireland.
Estimate for 2024/25 — England, Wales & Northern Ireland (Scotland's income-tax bands differ). Excludes pension, student loan and other deductions.
Frequently asked questions
What is deducted from my salary?+
Two main things: income tax (after your £12,570 personal allowance, at 20%, 40% then 45%) and National Insurance (8% on earnings between £12,570 and £50,270, 2% above). What is left is your take-home pay.
Does this cover Scotland?+
Not exactly — Scotland sets its own income-tax bands, so a Scottish taxpayer's tax differs slightly. National Insurance and the personal allowance are the same across the UK.
Why does pay over £100,000 lose so much?+
Above £100,000 your personal allowance is reduced by £1 for every £2 you earn, disappearing at £125,140. That creates an effective marginal rate of about 60% in that band.