Paycheck Calculator

Calculate your net take-home pay after income tax, National Insurance and pension.

✓ Free to use ✓ Instant results ✓ Mobile friendly ✓ No sign-up needed

Annual Gross Salary (£)

Pension Contribution (%)

Student Loan

Monthly Take-Home

Annual Take-Home

Income Tax

National Insurance

💰 Maximise your take-home pay

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UK Tax Bands 2024/25

Personal allowance: £12,570. Basic rate (20%): £12,571–£50,270. Higher rate (40%): £50,271–£125,140. Additional rate (45%): above £125,140.

Does this include student loan?+

The calculator does not include student loan repayments. Add your repayment amount manually to monthly deductions.

What is the personal allowance?+

In 2024/25, the personal allowance is £12,570 — income below this is tax-free.