UK tax estimates · Tax years 2025/26–2023/24 · Estimates only (not advice) · Tools include take‑home pay (PAYE), student loans, self‑employment (Class 2/4 NI), dividends and pensions.

Help & methodology
Tax Calculator 365

Tax Calculator 365

Take home pay calculator (UK)

Estimate take‑home pay from gross pay, including Income Tax and employee National Insurance. Supports Scotland and England/Wales/Northern Ireland. Select a tax year in the calculator.

Try the calculatorHow it works
Estimates only • No sign-up required • Tax years 2025/26–2023/24

Inputs

For UK PAYE employees. Choose a tax year to estimate Income Tax, employee National Insurance, and optional student loan and dividend tax. This is a simplified estimate and may not match complex situations (e.g., multiple jobs, benefits-in-kind, savings income, or non‑standard tax codes).

Scotland uses different Income Tax bands. National Insurance is UK‑wide.

Enabled once rates and thresholds have been verified and regression‑tested.

Examples: 45,000 or £45,000.50

Optional (add if relevant)

You can calculate take-home from gross pay alone. Add extras only if they apply to you.

Results

Results for England/Wales/NI · 2025/26

Your results will appear here.

Enter your gross pay to see your 2025/26 England/Wales/NI take-home pay.

Jump to gross pay

Example formats: 45,000 · 45000.50 · £45,000

What you will get

  • Take-home pay
  • Income Tax
  • National Insurance
  • Optional: student loan

Helpful tip

If you are paid monthly or weekly, set the pay frequency first — we will convert your inputs to annual values behind the scenes.

Assumptions

This is a simplified estimate. PAYE tax codes, multiple jobs, benefits, and adjustments can change real payslip figures.

How to use this calculator

Enter your gross income and select the relevant options for tax year and nation. You can optionally include pension contributions, dividends and student loans to see how they affect your take‑home pay. The calculator updates instantly, showing your take‑home pay per year, month and week. Adjust one input at a time to understand the impact of each deduction.

The calculator assumes standard tax codes and applies the Personal Allowance, Income Tax bands and employee National Insurance thresholds for the selected tax year. To experiment with more complex scenarios such as self‑employment, company dividends or student loans, use our specialist calculators linked below.

How it’s calculated

We annualise your income, then apply the UK Personal Allowance. For high incomes above £100,000 the allowance tapers away. Income Tax is then calculated band by band: basic, higher and additional rates in England/Wales/NI, or the corresponding bands in Scotland. Employee National Insurance is calculated using UK‑wide thresholds. Optional inputs for pension contributions reduce adjusted net income for Personal Allowance purposes but do not alter National Insurance in this simplified model.

Student loan repayments and dividend tax are optional extras. Selecting a student loan plan deducts a percentage of income above the plan’s threshold. Dividends are taxed at separate rates after applying the dividend allowance. For full details see our methodology.

What affects your results

  • Tax year and UK nation – each year has different bands and rates; Scotland differs from the rest of the UK.
  • Gross income – your total earnings before deductions.
  • Pension contributions – reduce taxable income for Personal Allowance purposes.
  • Dividends – taxed separately; only include if you receive dividends in addition to salary.
  • Student loans – repayments depend on your plan and are optional in the calculator.

Complex circumstances such as multiple jobs, non‑standard tax codes, benefits in kind or salary sacrifice schemes are not covered. The results are an estimate only and should not be relied upon for financial decisions.

Frequently asked questions

Which tax years are supported?
You can select the 2025/26, 2024/25 or 2023/24 tax years. Rates and thresholds update automatically.
Does this include National Insurance?
Yes. Employee (Class 1) National Insurance is included in the estimate.
Is this the same as my payslip?
Not exactly. HMRC’s PAYE system calculates tax per pay period and can differ due to rounding, tax codes and adjustments. Use this tool for guidance only.
Can I save or export results?
Not yet. Future updates will allow you to save scenarios and compare results.

Sources & updates

Tax rules and allowances are based on publicly available HMRC guidance. This calculator was last updated for the 2025/26 tax year. For detailed sources see our Methodology page.

Estimates only – not financial advice. Always confirm important decisions with official sources or a professional adviser.

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