UK Salary Calculator 2025/26 – PAYE, NI, Pension & Student Loan
Free UK take-home pay calculator for the 2025/26 tax year. Instantly see your net pay with PAYE (including Cumulative vs Month‑1), National Insurance, student loans (Plan 2, Plan 5, Postgraduate), and salary sacrifice pensions. Updated for April 2025 thresholds.
Inputs
See the differences in Scotland vs rUK tax bands.
Not sure which plan? Read Plan 2 vs Plan 5 explained.
Employer deductions (optional)
Add items such as life assurance, personal accident, etc. (treated as salary sacrifice).
New to PAYE modes? Learn how Cumulative vs Month‑1 works.
Results
Display:
Net take-home
£0.00
per month • click to toggle to yearly
Tax (income tax)
£0.00
per month • click to toggle to yearly
National Insurance
£0.00
per month • click to toggle to yearly
Student loan
£0.00
per month • click to toggle to yearly
Employer extras (pre-tax)
£0.00
per month • click to toggle to yearly
Gross
Year
£0.00
Month
£0.00
Week
£0.00
Adjusted gross (after pension & pre-tax extras)
Year
£0.00
Month
£0.00
Week
£0.00
Pension (salary sacrifice)
Year
£0.00
Month
£0.00
Week
£0.00
Employer extras (pre-tax)
Year
£0.00
Month
£0.00
Week
£0.00
Effective tax + NI rate on adjusted gross: 0.0%
Personal Allowance used: £12,570.00