UK Take Home Pay Calculator
Calculate UK net take-home pay. Includes income tax (20-45%), National Insurance contributions, and student loan deductions.
Formula
Gross - Income Tax - NI - Student Loan = Take-Home
- Personal Allowance: £12,570 (2024/25)
- Basic Rate (20%): £12,570-£50,270
- Higher Rate (40%): £50,270-£125,140
- Additional Rate (45%): above £125,140
- National Insurance: 8% up to £50,270, then 2%
- Student Loan: 9% on earnings above £27,750
Example
Inputs
- Annual Gross Salary (£): 30000
- Has Student Loan?: 0
£30,000 gross salary: £1,886 tax + £1,394 NI = £26,720 take-home
Frequently asked questions
Does this include pension contributions?
No, pension deductions reduce taxable income but are calculated separately.
What's the National Insurance threshold?
First £12,570 is exempt. Above that: 8% up to £50,270, then 2%.