13 February 2026 · 6 min read
How UK Take-Home Pay Is Calculated in 2025/26
A practical guide to how gross salary turns into net pay in the UK, including income tax, National Insurance, student loan and pension deductions.
Read guide →Practical UK salary and tax guidance for 2025/26 in clear plain English.
A practical guide to how gross salary turns into net pay in the UK, including income tax, National Insurance, student loan and pension deductions.
Read guide →Understand personal allowance, basic rate, higher rate and the personal allowance taper in plain English with practical salary examples.
Read guide →A side-by-side explanation of Scottish and rUK income tax differences and how they impact annual and monthly net pay.
Read guide →See how Plan 1, Plan 2, Plan 4, Plan 5 and Postgraduate loans affect your monthly take-home and effective deduction rate.
Read guide →Understand how salary sacrifice can affect tax, NI and take-home pay compared with standard employee pension contributions.
Read guide →A practical breakdown of common payslip lines and how to reconcile your payslip with take-home calculator outputs.
Read guide →