UK Salary Calculator 2025–26
Gross to Net

Calculate your exact take-home pay after PAYE income tax and Class 1 National Insurance contributions. Updated for the 2025–26 tax year.

Last Updated

April 2025 (FY 2025–26)

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Salary Details

Monthly Gross Salary (GBP)

/mo

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Personal allowance £12,570 applied automatically. PAYE and Class 1 NI both deducted. Pension and student loan not included.

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FY 2025–26 HMRC Rates

PAYE: 20% (£12,571–£50,270), 40% (£50,271–£125,140), 45% (above). NI: 8% (£12,571–£50,270), 2% (above).

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Enter your salary to see the breakdown

PAYE income tax and National Insurance deductions will appear here.

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UK Salary Benchmarks

Updated FY 2025–26

Monthly Gross	Annual	PAYE + NI / mo	Net Monthly
£1,500	£18,000	£127	£1,373
£2,000	£24,000	£267	£1,733
£3,000	£36,000	£547	£2,453
£4,000	£48,000	£879	£3,121
£5,000	£60,000	£1,221	£3,779
£7,000	£84,000	£2,061	£4,939
£10,000	£120,000	£3,321	£6,679
£15,000	£180,000	£5,649	£9,351

Net includes PAYE income tax and Class 1 National Insurance. Pension and student loan repayments not included. Click any row to calculate.

Frequently Asked
Questions

UK employees pay PAYE income tax and National Insurance each payslip. Here are the most common questions about UK salary deductions for 2025-26.

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Data sourced from HMRC. Updated April 2025.

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The personal allowance for 2025-26 is £12,570 per year (£1,047.50/month). This is the amount you can earn tax-free. Above this threshold: 20% basic rate applies up to £50,270, then 40% higher rate up to £125,140, then 45% additional rate above £125,140. Note: personal allowance tapers for income above £100,000.

For 2025-26, employees pay Class 1 National Insurance: 0% below £12,570/year, 8% on earnings between £12,570 and £50,270/year, and 2% on earnings above £50,270/year. NI is calculated on each pay period separately — there's no annual catch-up. NI funds NHS, state pension, and other benefits.

On £3,000/month (£36,000/year): PAYE income tax ≈ £390/month (20% rate on income above £1,047.50/month), National Insurance ≈ £156/month (8% band). Total deductions: £546/month. Net take-home: approximately £2,454/month. This is a pre-pension, pre-student-loan figure.

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This calculator shows PAYE tax and National Insurance only — not student loan repayments, pension contributions, or other deductions. Student loan repayments are 9% of income above the threshold (£27,295/year for Plan 2). These are common deductions that would further reduce take-home pay.

The UK personal allowance tapers by £1 for every £2 earned above £100,000. At £125,140 income, the personal allowance becomes zero. This creates an effective 60% marginal tax rate on income between £100,000 and £125,140 (40% tax rate + loss of 20% tax-free allowance). This calculator uses simplified slabs without this taper.