Salary Calculator UK
Calculate your UK salary after tax using the official HMRC tax bands for the 2025/26 tax year. Convert between annual, monthly, weekly, daily, and hourly pay and see your full Income Tax and National Insurance breakdown.
2025/26 tax year — Supports England, Wales, Northern Ireland & Scotland rates
UK Salary Calculator
Enter your gross salary before tax and deductions
Select how your salary is quoted. We will convert to all other periods.
Scotland has different income tax rates. National Insurance is the same across the UK.
How to Use This Salary Calculator
Enter Your Salary
Type your gross salary before tax. This is the figure on your employment contract, payslip, or job offer.
Select Pay Frequency & Region
Choose whether your salary is quoted annually, monthly, weekly, daily, or hourly, and select England/Wales/NI or Scotland for your tax region.
Review Your Breakdown
See your take home pay across all pay periods, plus detailed band-by-band breakdowns for Income Tax and National Insurance.
2025/26 UK Income Tax Bands
England, Wales & Northern Ireland
| Band | Income Range | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic | £12,571 – £50,270 | 20% |
| Higher | £50,271 – £125,140 | 40% |
| Additional | Over £125,140 | 45% |
Scotland
| Band | Income Range | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Starter | £12,571 – £14,876 | 19% |
| Basic | £14,877 – £26,561 | 20% |
| Intermediate | £26,562 – £43,662 | 21% |
| Higher | £43,663 – £75,000 | 42% |
| Advanced | £75,001 – £125,140 | 45% |
| Top | Over £125,140 | 48% |
National Insurance (Class 1 Employee) 2025/26
| Earnings Range | Rate |
|---|---|
| Below £12,570 | 0% |
| £12,570 to £50,270 | 8% |
| Above £50,270 | 2% |
National Insurance rates are the same across the whole of the UK, including Scotland.
How UK Salary After Tax Is Calculated
Take Home = Gross Salary - Income Tax - National InsuranceThe UK uses a progressive tax system. Your income is not taxed at a single flat rate. Instead, each portion of your income is taxed at the rate for the band it falls into.
Income Tax = Sum of (Income in each band x Band rate)The calculation steps are:
- Determine your Personal Allowance — normally £12,570, but tapers if your income exceeds £100,000
- Calculate Income Tax — apply each band's rate to the portion of income within that band
- Calculate National Insurance — apply NI rates to your gross earnings using separate thresholds
- Subtract both — your take home pay is what remains after Income Tax and NI
Pay Period Conversions
Monthly = Annual / 12Weekly = Annual / 52Daily = Annual / 260 (52 weeks x 5 days)Hourly = Annual / 2,080 (52 weeks x 40 hours)Your marginal rate is the rate on your last pound of income. Your effective rate is your total deductions (Income Tax plus NI) divided by gross income, representing the average rate you actually pay.
Personal Allowance Taper
If income > £100,000: Allowance = £12,570 - ((Income - £100,000) / 2)This creates an effective 60% marginal rate between £100,000 and £125,140.
Quick Salary Reference Table
| Gross Salary | Income Tax | NI | Take Home | Monthly |
|---|---|---|---|---|
| £20,000 | £1,486 | £594 | £17,920 | £1,493.30 |
| £25,000 | £2,486 | £994 | £21,520 | £1,793.30 |
| £30,000 | £3,486 | £1,394 | £25,120 | £2,093.30 |
| £35,000 | £4,486 | £1,794 | £28,720 | £2,393.30 |
| £40,000 | £5,486 | £2,194 | £32,320 | £2,693.30 |
| £50,000 | £7,486 | £2,994 | £39,520 | £3,293.30 |
| £60,000 | £11,432 | £3,211 | £45,357 | £3,779.78 |
| £75,000 | £17,432 | £3,511 | £54,057 | £4,504.78 |
| £100,000 | £27,432 | £4,011 | £68,557 | £5,713.12 |
| £125,000 | £39,932 | £4,511 | £80,557 | £6,713.12 |
Based on 2025/26 HMRC rates for England, Wales, and Northern Ireland. Excludes student loans, pension, and other deductions.
Frequently Asked Questions
How is my UK salary after tax calculated?
Your salary after tax is calculated by subtracting Income Tax and National Insurance from your gross pay. Income Tax is applied progressively across tax bands after your Personal Allowance (currently £12,570). National Insurance is calculated separately: 8% between £12,570 and £50,270, and 2% above £50,270. Your take home pay is what remains after both deductions.
What are the UK income tax bands for 2025/26?
For 2025/26 in England, Wales, and Northern Ireland: Personal Allowance up to £12,570 (0%), Basic Rate £12,571–£50,270 (20%), Higher Rate £50,271–£125,140 (40%), Additional Rate over £125,140 (45%). Scotland has its own rates: Starter (19%), Basic (20%), Intermediate (21%), Higher (42%), Advanced (45%), and Top (48%).
How do I convert my annual salary to monthly or hourly pay?
To convert annual salary to monthly, divide by 12. For weekly pay, divide by 52. For daily pay based on a standard 5-day working week, divide by 260 (52 weeks × 5 days). For hourly pay based on a 40-hour week, divide by 2,080 (52 weeks × 40 hours). This calculator performs all conversions automatically.
What is the Personal Allowance taper?
If your income exceeds £100,000, your Personal Allowance is reduced by £1 for every £2 above that threshold. This means your Personal Allowance is fully eliminated at £125,140. The effect is an effective marginal tax rate of 60% on income between £100,000 and £125,140.
Does this calculator include pension and student loan deductions?
No, this calculator covers Income Tax and employee National Insurance only. It does not include student loan repayments (Plan 1, Plan 2, Plan 4, or Postgraduate), workplace pension contributions, salary sacrifice schemes, childcare vouchers, or any other payroll deductions. Your actual take home pay may be lower if you have these additional deductions.
Important Disclaimer
This calculator provides estimates for the 2025/26 tax year based on HMRC rates. It does not account for student loan repayments, pension contributions, salary sacrifice, childcare vouchers, marriage allowance, blind person's allowance, or any other adjustments. Daily and hourly rates assume a standard 5-day, 40-hour working week. Results are for illustrative purposes only. For official tax calculations, refer to HMRC or consult a qualified accountant.