UK Take-Home Pay Calculator
Enter your annual salary to see Income Tax, employee National Insurance and take-home pay for England, Wales and Northern Ireland.
How to use it
- Enter your annual salary before tax.
- Read your Income Tax and National Insurance.
- See your take-home pay per month and per year.
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Frequently asked questions
What is the Personal Allowance?
£12,570. It reduces by £1 for every £2 of income above £100,000.
What are the Income Tax rates?
On taxable income: 20% on the first £37,700, 40% up to £125,140 and 45% above that.
How is employee National Insurance calculated?
8% on earnings between £12,570 and £50,270 and 2% above £50,270.
Does it work for Scotland?
No. Scotland sets its own Income Tax rates and bands.
Sources
Rates were checked against these official pages in November 2026. Rates change, so always confirm on the source before you act. This is an estimate, not tax, legal or financial advice.