UK Take-Home Pay Calculator
Enter your annual gross salary to estimate your Income Tax, National Insurance and monthly take-home pay.
UK Take-Home Pay Calculator
Estimate your UK take-home pay after Income Tax and National Insurance.
This calculator uses the England, Wales & Northern Ireland Income Tax bands and Class 1 employee National Insurance rates and thresholds, including the Personal Allowance taper above £100,000. Scotland has different Income Tax bands, which this calculator does not model.
Example
- With the default values shown above, this calculator returns: Personal Allowance ≈ £12570.00; Taxable Income ≈ £22430.00; Income Tax ≈ £4486.00; National Insurance ≈ £1794.40; Take-Home Pay (Annual) ≈ £28719.60; Take-Home Pay (Monthly) ≈ £2393.30.
Frequently Asked Questions
Does this work for Scotland?
No — Scotland has its own Income Tax bands and rates, set separately by the Scottish Parliament. This calculator uses the rUK (England, Wales & Northern Ireland) bands.
Why does my Personal Allowance show as less than £12,570?
The Personal Allowance is reduced by £1 for every £2 of income above £100,000, reaching £0 at £125,140 — this is often called the “60% tax trap” because of the resulting high marginal rate in that band.