UK Paycheck Calculator

Estimate England, Wales and Northern Ireland take-home pay from salary, tax, NI and pension using published 2025/26 HMRC figures.

Quick answer: Estimate UK take-home pay for 2025/26 using HMRC income tax bands, National Insurance, pension deductions and optional student loan. Free unofficial estimate.

Annual gross salary (GBP) Filing status Pay frequency Pre-tax deductions per year (pension, salary sacrifice) (GBP) Student loan plan

How to use

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General information only — not medical, financial or legal advice. Figures cross-checked against public official sources (IRS / HMRC / NHS / WHO guidance) as of 2026-08. For decisions that matter, confirm with a licensed professional in your country.

About this tool

This UK paycheck calculator estimates net pay for the 2025/26 tax year using published HMRC bands for England, Wales and Northern Ireland. It starts from annual gross salary, subtracts the pre-tax pension or salary-sacrifice amount you enter, then applies the personal allowance of 12,570 GBP (tapered by 1 GBP for every 2 GBP of income above 100,000 GBP). Remaining taxable pay is charged at 20% on the first 37,700 GBP above the allowance, 40% up to 125,140 GBP of income, and 45% above that. Employee National Insurance is estimated at 8% between the primary threshold and the upper earnings limit, then 2% above the upper band, using thresholds aligned with 12,570 GBP and 50,270 GBP. Optional student loan deductions follow Plan 1 (9% over 26,065 GBP), Plan 2 (9% over 28,470 GBP) or postgraduate (6% over 21,000 GBP). Results are split across common UK pay frequencies. Scottish rates, marriage allowance, emergency codes, benefits in kind and payroll quirks are not modelled. Figures are estimates in GBP, not a substitute for your payslip or HMRC. Estimates use latest published 2025/26 HMRC rates (latest published; verify with official sources); verify with official HMRC and GOV.UK sources; not tax advice.

A worker on 52,000 GBP gross with no pension and no student loan keeps the full 12,570 GBP personal allowance. Taxable pay is 39,430 GBP. Income tax is 20 percent on 37,700 GBP (7,540 GBP) plus 40 percent on 1,730 GBP (692 GBP), so 8,232 GBP of tax. Employee NI is 8 percent on 37,700 GBP (3,016 GBP) plus 2 percent on 1,730 GBP (34.60 GBP), about 3,050.60 GBP. Estimated annual take-home is 40,717.40 GBP; dividing by 12 gives a monthly figure near 3,393.12 GBP. Pre-tax pension contributions reduce taxable pay and usually NI if made by salary sacrifice, which changes both deductions and cash in hand.

The estimate does not apply Scottish income tax, marriage allowance, or tax codes other than a standard personal allowance. It does not include employer National Insurance, benefits in kind, bonuses paid in a different period, or emergency tax. Payroll engines often calculate NI by pay period rather than as a simple annual split, so weekly and monthly results can differ slightly from this annual method. Student loan Plan 4 (Scotland) and Plan 5 are omitted. Verify every figure against HMRC, Student Loans Company and your employer payslip. This site does not file returns or give regulated advice.

FAQ

Why does this UK paycheck estimate not match my payslip?

If your tax code is not 1257L, you work in Scotland, you started a new job mid-year, or you have two jobs, PAYE will not match a simple annual estimate. Benefits, bonuses and unpaid leave also change each period. Use this as a planning figure and compare it with HMRC online tools and your latest payslip.

Do I still get the 12,570 GBP personal allowance if I earn over 100,000 GBP?

HMRC reduces the personal allowance by 1 GBP for every 2 GBP of income above 100,000 GBP until it reaches zero at 125,140 GBP. This tool applies that taper, which can create a high effective tax rate in that band. Other income can affect the taper. Confirm the allowance on your tax code and in your Personal Tax Account.

How much employee National Insurance comes off a UK paycheck in 2025/26?

This estimate uses 8 percent on pay between 12,570 GBP and 50,270 GBP a year, then 2 percent above 50,270 GBP. NI does not use the income tax personal allowance in the same way. Salary sacrifice pension usually reduces NI; a relief-at-source pension often does not. Employer NI is extra and is not taken from your net pay.

Are pension contributions taken before UK tax and NI?

If you enter a yearly pre-tax figure, the calculator reduces taxable income first, like a net pay arrangement or salary sacrifice. Salary sacrifice commonly reduces National Insurance as well. If your scheme uses relief at source, NI may still be charged on the pension amount. Enter 0 when pension is taken from net pay. Check the pension line on your payslip.

How do you convert annual UK take-home into a weekly or monthly paycheck?

We estimate a full year of income tax, employee NI and student loan, subtract them (and pre-tax pension) from gross, then divide. Weekly uses 52, biweekly 26, semimonthly 24, and monthly 12. UK payroll may apply weekly or monthly NI thresholds instead of a pure annual split, so your live payslip can differ by a small amount.

Which UK student loan plan should I select in this calculator?

Plan 1 usually covers older England and Wales loans and withholds 9 percent above 26,065 GBP. Plan 2 is common for courses from 2012 and withholds 9 percent above 28,470 GBP. The postgraduate plan withholds 6 percent above 21,000 GBP. This tool does not stack an undergraduate plan with a postgraduate plan. Your payslip or SLC account states the plan name.

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