After-Tax Salary Calculator UK (2025/26)

Take-home pay starts with gross salary, then PAYE income tax is applied by tax band after your personal allowance and tax code settings. National Insurance is calculated separately using NI thresholds and rates. Student loan repayments are then added based on your selected plan threshold and rate, and pension deductions are applied according to your contribution setting and salary sacrifice choice. The final net figure is what remains after all deductions. This calculator uses 2025/26 rules as an estimate and is best used with assumptions that match your own payslip setup.

Yes. Scottish income tax uses different bands and rates from England, Wales and Northern Ireland, so region selection materially changes the estimate for many salaries. National Insurance remains largely UK-wide for employees, which means the main regional difference usually comes from income tax rather than NI. If you are moving between Scotland and rUK or comparing offers across regions, run both versions with identical loan and pension settings so the comparison is meaningful.

These calculations are designed for planning and use official-style thresholds and rates for the stated tax year. Real payroll can still differ due to factors such as non-standard tax codes, taxable benefits, irregular bonuses, prior-period adjustments, or multiple employments. The best way to improve accuracy is to match your tax code, region, loan plan and pension settings to your real payroll profile. Use this tool for structured comparison and budgeting, then validate final figures against your employer payslip.

No. This site provides informational estimates to help with salary planning and scenario comparison. It does not provide personal tax advice, investment advice or regulated financial guidance. For decisions that depend on your full personal circumstances, rely on official HMRC resources and, where appropriate, qualified professional advice.