Take Home Pay Calculator
Calculate your UK take home pay after Income Tax and National Insurance. Enter your annual gross salary to see exactly how much you keep each year, month, and week.
2024/25 tax year - England, Wales & Northern Ireland rates
Salary Calculator
Enter your annual salary before tax and deductions
How to Use This Calculator
Enter Your Salary
Type your annual gross salary (before tax). This is the figure on your employment contract or job offer.
Calculate
Press the calculate button to see your take home pay after Income Tax and National Insurance deductions.
Review Your Breakdown
See your annual, monthly, and weekly take home pay alongside detailed band-by-band breakdowns for both Income Tax and NI.
How UK Take Home Pay Is Calculated
Take Home = Gross Salary - Income Tax - National InsuranceYour UK take home pay is calculated in two parts: Income Tax and National Insurance. Both use progressive bands, meaning only the portion of income within each band is taxed at that rate.
2024/25 Income Tax Bands
Personal Allowance: Up to £12,570 at 0%Basic Rate: £12,570 to £50,270 at 20%Higher Rate: £50,270 to £125,140 at 40%Additional Rate: Over £125,140 at 45%2024/25 National Insurance (Employee)
Below £12,570: 0%£12,570 to £50,270: 8%Above £50,270: 2%Key points about UK tax calculations:
- Personal Allowance tapering - if your income exceeds £100,000, your Personal Allowance is reduced by £1 for every £2 over the threshold, creating an effective 60% marginal rate
- Income Tax and NI are separate - they have different thresholds and rates, and are calculated independently
- PAYE (Pay As You Earn) means your employer deducts tax and NI from each pay packet before you receive it
- Scotland has its own income tax rates with additional bands (starter rate 19%, intermediate rate 21%) - this calculator uses England, Wales, and Northern Ireland rates
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 2024/25 HMRC rates. Excludes student loans, pension, and other deductions.
Frequently Asked Questions
How is take home pay calculated in the UK?
Take home pay is your gross salary minus Income Tax and National Insurance contributions. First, your Personal Allowance (currently £12,570) is deducted from your gross salary to determine your taxable income. Income Tax is then applied at progressive rates: 20% basic rate, 40% higher rate, and 45% additional rate. National Insurance is calculated separately at 8% between the primary threshold and upper earnings limit, and 2% above that. Your take home pay is what remains after both deductions.
What is the Personal Allowance for 2024/25?
The Personal Allowance for the 2024/25 tax year is £12,570. This is the amount you can earn before paying any Income Tax. However, if your income exceeds £100,000, your Personal Allowance is reduced by £1 for every £2 over that threshold. This means the allowance is fully eliminated at £125,140, creating an effective marginal rate of 60% between £100,000 and £125,140.
What are the 2024/25 National Insurance rates?
For employees in the 2024/25 tax year, Class 1 National Insurance is charged at 8% on earnings between the primary threshold (£12,570 per year) and the upper earnings limit (£50,270 per year). Earnings above the upper earnings limit are charged at 2%. You pay no National Insurance on earnings below the primary threshold, though you start building NI credits from the lower earnings limit (£6,396).
Does this calculator work for Scotland?
This calculator uses the Income Tax bands for England, Wales, and Northern Ireland. Scotland has its own income tax rates set by the Scottish Parliament, including a starter rate of 19% and an intermediate rate of 21%, with different band thresholds. If you are a Scottish taxpayer, your take home pay may differ. National Insurance rates are the same across the whole of the UK.
What deductions are not included in this calculator?
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 (auto-enrolment minimum is typically 5%), 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 2024/25 tax year based on HMRC rates for England, Wales, and Northern Ireland. It does not account for Scottish income tax rates, student loan repayments, pension contributions, salary sacrifice, childcare vouchers, marriage allowance, or any other adjustments. Results are for illustrative purposes only. For official tax calculations, refer to HMRC or consult a qualified accountant.