This calculator uses deterministic formulas based on published UK rates for 2025/26. It estimates PAYE income tax, employee National Insurance, student loan repayments and pension deductions. It is not financial advice.
What we apply
Region-specific income tax bands (rUK and Scotland)
Employee NI Category A assumptions (unless specified otherwise)
Student loan plan thresholds and repayment rates
Pension contribution effects including salary sacrifice toggle
Tax code allowance parsing with taper effects where applicable
Known limitations
Does not model every payroll edge case or employer-specific setup
Does not include benefits-in-kind and all one-off deductions
Multi-employment and cumulative code situations may vary from estimate