UK Paycheck Calculator (2025-2026)
Calculate your take-home pay in the United Kingdom using the latest 2025-2026 tax year rates. This calculator includes income tax, National Insurance contributions, student loan repayments, and pension contributions.
Updated for 2025-2026: Includes the latest income tax rates for England, Wales, Northern Ireland, and Scotland, plus current National Insurance thresholds.
UK Paycheck Calculator (2025-2026)
Estimate your take-home pay after taxes and deductions
Default: 1257L (£12,570 personal allowance)
Your Take-Home Pay
Tax rates applied: Basic Rate (20%)
Based on 2025-2026 tax year rates for England, Wales & Northern Ireland
UK Tax Notes:
- The tax year in the UK runs from 6 April to 5 April the following year.
- Personal allowance (£12,570) is reduced by £1 for every £2 earned over £100,000.
- National Insurance is calculated at 8% between £12,570 and £54,450, and 2% above that.
- Scotland uses different tax rates and bands compared to the rest of the UK.
- This calculator provides an estimate and may not account for all individual circumstances.
Understanding UK Paycheck Calculations
Income Tax (PAYE)
Income tax in the UK is administered through the Pay As You Earn (PAYE) system. The standard personal allowance is £12,570, meaning this amount of your income is tax-free. Tax rates differ between regions:
- England, Wales, and Northern Ireland use three main rates: 20% (basic), 40% (higher), and 45% (additional).
- Scotland uses six rates ranging from 19% to 48%.
National Insurance
National Insurance contributions fund state benefits and the NHS. For the 2025-2026 tax year, employees pay:
- 0% on earnings up to £12,570 per year
- 8% on earnings between £12,570 and £54,450 per year
- 2% on earnings above £54,450 per year
Additional Deductions
Our calculator also includes:
- Pension Contributions: Many UK employees contribute to workplace pensions, typically 5% of gross salary.
- Student Loan Repayments: Plan 1 (9% of income above £27,295) or Plan 2 (9% of income above £29,233).
Tax Codes Explained
Tax codes tell your employer how much tax-free income you're entitled to. The most common is 1257L, which represents the standard personal allowance of £12,570.
If you earn over £100,000, your personal allowance decreases by £1 for every £2 above this threshold, reaching zero at £125,140.