💷 PAYE: Calculator

Estimate your UK take-home pay after tax and National Insurance.

£
%
ANNUAL TAKE-HOME PAY
£0
after Income Tax and National Insurance
Income Tax
£0
National Insurance
£0
Monthly Take-Home
£0
Weekly Take-Home
£0

How UK Take-Home Pay Is Calculated

Your take-home pay is what's left after Income Tax and National Insurance are deducted through PAYE (Pay As You Earn), the system UK employers use to collect tax directly from your salary. This calculator combines both deductions, along with the Personal Allowance taper for higher earners, to estimate your net annual, monthly, and weekly pay.

Personal Allowance = £12,570, reduced by £1 for every £2 earned over £100,000 (reaching £0 at £125,140)
Income Tax: 20% from the Personal Allowance up to £50,270, 40% up to £125,140, 45% above
National Insurance: 8% from £12,570 to £50,270, 2% above
Take-Home Pay = Gross Salary − Pension Contribution − Income Tax − National Insurance

The £100,000–£125,140 "Tax Trap"

Because the Personal Allowance shrinks as your income rises above £100,000, each extra pound earned in this range is effectively taxed at around 60% (40% Income Tax plus the value of the shrinking tax-free allowance) — higher than even the 45% additional rate. Pension contributions (which reduce your adjusted income) are a common way to avoid this band.

Why Pension Contributions Help

A salary sacrifice pension contribution reduces the income used to calculate both your Income Tax and National Insurance, which is why entering a pension percentage in this calculator reduces your taxable and NI-able income before the bands are applied — not just your final take-home figure.

📎 Related Tools: National Insurance Calculator Income Tax Calculator Salary Calculator Pension Calculator

❓ Frequently Asked Questions

What's included in this take-home pay calculation?
This calculator includes UK Income Tax (with the Personal Allowance taper for incomes over £100,000) and Class 1 employee National Insurance. It doesn't include student loan repayments, workplace benefits, or additional voluntary deductions.
Why does my Personal Allowance show as less than £12,570?
If your income (after any pension contribution) is above £100,000, your Personal Allowance is reduced by £1 for every £2 you earn above that threshold, reaching £0 once your income hits £125,140.
How does entering a pension percentage change the results?
This calculator treats your pension contribution as a salary sacrifice, meaning it's deducted from your gross salary before Income Tax and National Insurance are calculated — reducing both your tax bill and your take-home pay, but also potentially avoiding higher tax bands.
Does this calculator account for a tax code other than the standard one?
No. It assumes the standard Personal Allowance (before any adjustments for benefits-in-kind, previous underpayments, or marriage allowance transfers) — your actual tax code may result in a different allowance.
Is this the same as the site's other Take-Home Paycheck Calculator?
No. That calculator uses US federal and state tax rules plus FICA (Social Security and Medicare). This calculator uses UK Income Tax bands and National Insurance rates specifically.

🏆 About This Tool — Accuracy & Trust

🔒 Data Privacy: All calculations run entirely within your browser using JavaScript. Nothing you enter here is ever transmitted to our servers, stored, sold, or shared.

📐 Accuracy Note: This tool uses standard, widely published formulas and guidelines. Results are estimates for informational purposes; for financial, medical, or engineering decisions, consult a licensed professional.

📅 Last Updated: September 2026.