Calculate your take-home pay after Income Tax, National Insurance, and Student Loan deductions
This calculator provides estimates based on current UK tax rates for the 2024/25 tax year. It uses simplified calculations and may not account for all individual circumstances such as pension contributions, benefits, or other deductions. For accurate calculations, consult with a qualified tax advisor or use official HMRC tools.
The UK personal allowance for the 2024/25 tax year is £12,570. This is the amount you can earn before paying income tax. For high earners over £100,000, the personal allowance is reduced by £1 for every £2 earned above this threshold.
National Insurance is calculated on your gross annual salary. There's no NI on earnings up to £12,570. Between £12,570 and £50,270, you pay 12% NI. On earnings above £50,270, you pay 2% NI.
Student Loan Plan 2 applies to English and Welsh students who started university after September 2012. You repay 9% of your income above the threshold of £27,295 per year. Repayments are automatically deducted from your salary.
No, this calculator does not include pension contributions or other voluntary deductions. Your actual take-home pay may be lower if you contribute to a workplace pension or have other deductions.