Salary & Tax Calculator

Free salary and tax calculator. Calculate your take-home pay after income tax, National Insurance and pension contributions.

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

Annual Gross Salary

Income Tax Rate (%)

NI / Social Security (%)

Pension Contribution (%)

Monthly Take-Home

Annual Take-Home

Daily Rate

Hourly Rate

Tax Paid (yr)

Pension Saved (yr)

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How to Calculate Take-Home Pay

Your take-home pay is your gross salary minus income tax, National Insurance contributions, and any pension contributions. Use this calculator to see exactly how much lands in your bank account each month.

UK Tax Bands (2024/25)

Personal Allowance: £0 – £12,570 (0%)
Basic Rate: £12,571 – £50,270 (20%)
Higher Rate: £50,271 – £125,140 (40%)
Additional Rate: Over £125,140 (45%)

Pension Auto-Enrolment

Most UK employees are automatically enrolled in a workplace pension. The minimum contribution is 5% employee + 3% employer = 8% total. Increasing your pension contributions reduces taxable income.

Frequently Asked Questions

What is the difference between gross and net salary?+

Gross salary is your total earnings before any deductions. Net salary (take-home pay) is what you actually receive after tax, NI and pension deductions.

Does this include the personal allowance?+

This is a simplified calculator. For exact UK figures, subtract the personal allowance (£12,570) from your gross salary before applying the tax rate, or use HMRC's official tool.

How is the hourly rate calculated?+

The hourly rate is based on 260 working days per year and 7.5 hours per day (standard UK full-time hours).