Cash Calculator

UK Salary Calculator

Estimate PAYE, employee and employer NI, pension, student loan and take-home pay using current UK 2025/26 rates.

Tax year 2025/26 Current UK PAYE, NI and student-loan assumptions used for estimates.

Inputs

Set earnings, payroll frequency, tax code, NI category, pension and loan options.

Postgraduate loan
Includes student-loan and postgraduate-loan deductions using annualised payroll thresholds.
Emergency markers W1, M1, X and NONCUM are recognised and shown in the tax-code summary.
Estimate only. Real payroll can differ because of HMRC notices, exact payroll rounding and employer-specific deductions.

Outputs

Review headline take-home pay first, then inspect tax, NI, pension and loan breakdowns.

Estimated take-home pay £0.00 Per month
Gross annual pay £0.00 Salary plus bonus
PAYE tax £0.00 Per year
Total payroll deductions £0.00 Tax, NI, pension, loans and other deductions

PAYE and tax code

Tax regime used—
Tax code interpretation—
Tax-free allowance used£0.00
PAYE taxable pay£0.00
PAYE tax per period£0.00
PAYE tax annualised£0.00

National Insurance

Employee NI per period£0.00
Employee NI annualised£0.00
Employer NI per period£0.00
Employer NI annualised£0.00

Pension and loans

Pensionable earnings£0.00
Employee pension cost£0.00
Employer pension£0.00
Student loan annualised£0.00
Postgraduate loan annualised£0.00
Other deductions annualised£0.00

Take-home by pay period

Annual£0.00
Monthly£0.00
4-weekly£0.00
Bi-weekly£0.00
Weekly£0.00
Daily (5-day week)£0.00
Hourly equivalent£0.00

How Much Salary Will I Take Home in 2026?

Your take-home pay in 2026 is the amount you keep after deductions like Income Tax, National Insurance, and any additional contributions such as pensions or student loans.

In the UK, these deductions are applied automatically through the PAYE system, meaning most employees receive their net salary without needing to calculate taxes manually.

Income Tax in 2026

Most people don’t pay tax on the first £12,570 (Personal Allowance). After that:

  • 20% on income up to £50,270
  • 40% on income up to £125,140
  • 45% above £125,140

National Insurance

Employees typically pay 8% between £12,570 and £50,270, and 2% above that.

Pension Contributions

Pension contributions can reduce your taxable income depending on the scheme used.

Example Take-Home Pay

If you earn £30,000 per year, your take-home pay is roughly £24,000 after tax and deductions.

FAQs

How much tax do I pay in 2026 UK?

It depends on your income, tax code, and deductions.

What is the personal allowance in 2026?

The standard personal allowance is £12,570.

How accurate is this calculator?

It uses current UK tax rules to give a realistic estimate.

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