Calculate your exact take home pay after Income Tax and National Insurance.
| Band | Taxable income | Tax rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 – £50,270 | 20% |
| Higher rate | £50,271 – £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
| Band | Weekly earnings | NI rate |
|---|---|---|
| Below Lower Earnings Limit | Up to £123/week | 0% |
| Between thresholds | £123 – £242/week | 0% |
| Standard rate | £242 – £967/week | 8% |
| Upper earnings | Over £967/week | 2% |
UK Income Tax is calculated on your taxable income — your gross salary minus your Personal Allowance (£12,570 for 2024/25 for most people). The first £37,700 above your Personal Allowance is taxed at 20% (basic rate). Earnings above £50,270 are taxed at 40% (higher rate), and above £125,140 at 45% (additional rate).
National Insurance (NI) is a tax on earnings that funds state benefits including the State Pension and NHS. For 2024/25, employees pay 8% NI on earnings between £12,570 and £50,270 per year, and 2% on earnings above £50,270. The rate was reduced from 10% to 8% in April 2024.
The standard tax code for 2024/25 is 1257L, which gives you a Personal Allowance of £12,570. If your tax code is different, it may mean HMRC is collecting tax from a previous year, you have multiple jobs, or you have taxable benefits. Contact HMRC if you are unsure about your tax code.
This calculator uses England, Wales and Northern Ireland tax rates. Scotland has its own Income Tax bands set by the Scottish Government, which differ from the rest of the UK. A separate Scottish salary calculator would be needed for accurate Scottish tax calculations.
Yes. Employee pension contributions to a workplace pension are deducted from your gross salary before Income Tax is calculated, reducing your tax bill. They are not exempt from National Insurance unless your employer uses a salary sacrifice arrangement.