Income Tax Calculator (UK) — Take Home Pay After Tax & NI

Estimate take-home pay after Income Tax, National Insurance, and optional student loan repayments (2025–26 tax year).

Annual gross income (£)

Region

Pension contribution (£ per year) optional

Simple model: subtracts pension from taxable pay (does not model salary sacrifice nuances).

Other deductions (£ per year) optional

Student loan plan optional

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Take-home (annual)

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After tax, NI & deductions

Take-home (monthly)

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Annual ÷ 12

Income Tax

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Estimated

National Insurance

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Employee NI (Class 1)

Notes: This is an estimate for standard employment income. It does not include benefits, dividends, savings tax, or special tax codes. Student loan thresholds are for 2025–26.

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