UK Salary After Tax Calculator (2025/26)

Estimate your UK take-home pay after Income Tax and National Insurance for the 2025/26 tax year (England, Wales, and Northern Ireland).

Employees and job seekers in England, Wales, or Northern Ireland who want to estimate their take-home pay from a gross salary.

Your tax-free personal allowance is subtracted from your gross salary to find taxable income. Income Tax is charged in bands (20%, 40%, 45%), and employee National Insurance is charged at 8% and 2% above the relevant thresholds. Take-home pay is your gross salary minus both.

On a 60,000 salary: the personal allowance is 12,570, so taxable income is 47,430. Income Tax is 20% of 37,700 (7,540) plus 40% of the remaining 9,730 (3,892), totaling 11,432. National Insurance is 8% of 37,700 (3,016) plus 2% of 9,730 (194.60), totaling 3,210.60. Take-home pay is about 45,357.

Scotland sets its own Income Tax bands and rates, so Scottish taxpayers will see different figures. National Insurance is UK-wide.

• Forgetting that pension contributions, student loan repayments, and salary sacrifice reduce take-home pay and are not included here.
• Using Scottish income-tax bands - they differ from the rest of the UK.
• Assuming the personal allowance still applies above 125,140, where it is fully withdrawn.

• Income Tax rates and Personal Allowances - GOV.UK (retrieved 2026-06-09)
• National Insurance rates and categories - GOV.UK (retrieved 2026-06-09)