UK Salary Tax Calculator 2025/2026
Salary Details
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Enter your salary details and hit calculate to see your breakdown.
How to Use This Calculator
Using the After-Tax Calculator is straightforward. Start by entering your gross income (your total salary before any deductions) into the "Gross Income" field. Next, select the correct pay period from the dropdown menu—whether you are paid yearly, monthly, or weekly.
You can then fine-tune the calculation by providing additional details. Adjust your pension contribution percentage and select the type of pension scheme you're in ("Auto Enrolment" or "Salary Sacrifice"), as this can affect your tax calculations differently. If you are repaying a student loan, choose the appropriate plan from the list. Finally, select the correct tax year you wish to calculate for. Once all details are entered, click the "Calculate Take Home" button to see a comprehensive breakdown of your salary.
Key Definitions
Gross Income
This is your total salary from your employer before any money is deducted. It's the "top-line" figure you might see on your employment contract.
Taxable Income
This is the portion of your gross income that is actually subject to Income Tax. It's calculated by subtracting any tax-free allowances, such as your Personal Allowance, from your gross income.
Personal Allowance
Most individuals in the UK are entitled to a Personal Allowance, which is a set amount of income you can earn each year without paying any Income Tax. For the 2025/26 tax year, the standard Personal Allowance is £12,570. This allowance is reduced for those earning over £100,000.
Frequently Asked Questions (FAQ)
How is after-tax income calculated?
Your after-tax (or net) income is your gross salary minus all deductions. The calculator first determines your taxable income, then calculates and subtracts Income Tax and National Insurance contributions. It also deducts student loan repayments and pension contributions based on your inputs. The final figure is your take-home pay.
Does this calculator work for Scotland?
No. This tool currently uses the tax bands and rates for England, Wales, and Northern Ireland. Scotland has its own distinct income tax system which will produce a different result. We plan to add support for Scottish tax calculations in the future.
Is this tool considered financial advice?
No. This calculator is designed for estimation purposes only and should not be used as financial advice. While it is based on up-to-date tax laws, it cannot account for all individual financial circumstances. For important financial decisions, we recommend consulting a qualified professional advisor.