UK Take Home Pay Calculator
Calculate your take home salary for 2025/26 tax year. Includes income tax, National Insurance, pension contributions, and student loan deductions.
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Start Free →Understanding Your Take Home Pay (2025/26)
What is Take Home Pay?
Take home pay (also called net pay) is the amount you actually receive after all deductions from your gross salary. For UK employees in the 2025/26 tax year, deductions typically include income tax, National Insurance contributions, pension contributions, and potentially student loan repayments.
2025/26 Tax Rates
- Personal Allowance: £12,570 (tax-free)
- Basic Rate (20%): £12,571 - £50,270
- Higher Rate (40%): £50,271 - £125,140
- Additional Rate (45%): Over £125,140
National Insurance Contributions
National Insurance (NI) is charged on earnings above £12,570:
- • 8% on earnings between £12,570 and £50,270
- • 2% on earnings above £50,270
Pension Contributions
Pension contributions are deducted before tax, which means you get tax relief on them. If you're a higher rate taxpayer, you save 40p in tax for every £1 you contribute. This makes pensions one of the most tax-efficient ways to save for retirement.
Maximizing Your Take Home Pay
- Use salary sacrifice: Exchange salary for benefits like extra pension contributions or cycle-to-work schemes
- Maximize pension contributions: Contributions reduce your taxable income
- Use tax-free allowances: ISAs, personal savings allowance, dividend allowance
- Plan student loan repayments: Consider overpaying if you're close to clearing the balance