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Calculate take-home pay in the UK after income tax and Class 1 employee National Insurance. England & Wales bands only — Scotland uses different rates.
Income tax only. Excludes National Insurance and Scottish bands.
Personal allowance is £12,570 (0%). Basic rate is 20% to £50,270, higher rate 40% to £125,140, additional rate 45% above. The personal allowance tapers off above £100,000.
Since 6 January 2024, the main rate is 8% on weekly earnings between £242 and £967 (or annualised £12,570–£50,270), then 2% above. The calculator handles this automatically when you select the UK preset.
Scottish income tax bands, pension auto-enrolment contributions, student loan repayments (Plan 1/2/4/5 — different thresholds), and Council Tax. Add manually if relevant.
Annual gross salary is reduced by the personal allowance (£12,570 at 0%), then walked through income tax bands (20% basic, 40% higher, 45% additional). National Insurance is computed in parallel — 8% on earnings between £12,570 and £50,270, then 2% above. The remainder after both is your net take-home.
No. National Insurance is a separate payroll tax that funds the state pension and some welfare benefits. Class 1 employee NI is 8% in the main band and 2% above the upper threshold. It's collected by HMRC alongside income tax via PAYE.
No. Scotland sets its own income tax bands and rates (starter 19%, basic 20%, intermediate 21%, higher 42%, advanced 45%, top 48%). The calculator models England, Wales, and Northern Ireland bands only.
Not modelled. Auto-enrolment pension contributions (typically 5% employee + 3% employer) and student loan repayments (Plan 1, 2, 4, 5 — different thresholds) reduce your take-home further. Add them as 'other deductions' in the Advanced panel if you want a more accurate net.
No. It's a free educational tool using the 2024/25 thresholds and bands published by HMRC. For exact PAYE numbers, use HMRC's official calculator or check your payslip.
For information only — not financial, tax, or legal advice.
United Kingdom take-home estimates use public brackets and the headline social-contribution rates. State / provincial layers and most credits are excluded. Always verify with an official source and a licensed professional before filing, borrowing, or transacting. Read the full disclaimer.
ExpenseFlow tags every transaction automatically — by the time your next pay hits, you'll know exactly where the last one went.
