This shows your estimated take-home pay after Income Tax and National Insurance for the 2025/26 tax year, based on England and Northern Ireland rates. It applies the £12,570 personal allowance (tapered away above £100,000), the 20/40/45 percent tax bands and the 8/2 percent employee NI rates. Scotland has different income tax bands. Student loan repayments and some benefits are not included, so treat the figure as a close estimate.
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Frequently asked questions
Is this accurate for Scotland?
No — Scotland sets its own income tax bands, so Scottish taxpayers will see a different figure. National Insurance is the same UK-wide.
Does a pension contribution increase my take-home?
It reduces your take-home cash, but it lowers your taxable income and builds your retirement pot, so the true cost is less than the amount contributed.