UK Take-Home Pay (PAYE) Calculator

UK Take-Home Pay Calculator converts an annual salary into what actually lands in your bank account after Income Tax, National Insurance, pension and student loan. Income Tax is applied across the 20%, 40% and 45% bands with the Personal Allowance removed first, including the taper that withdraws £1 of allowance for every £2 earned above £100,000 — the quirk that creates an effective 60% marginal rate between £100,000 and £125,140 and catches many higher earners by surprise. Class 1 employee National Insurance is charged at 8% between the primary threshold and the upper earnings limit and 2% above it. Student loan repayments are calculated at your plan’s rate on income above its threshold. Results are shown annually, monthly and weekly with a full deduction breakdown and a band-by-band tax table.

Key Features

• Personal Allowance Taper

  Withdraws £1 of allowance per £2 earned above £100,000 and flags when it applies. This creates a 60% effective marginal band most calculators hide.

• Correct Band Limits

  Uses the statutory basic rate limit and higher rate limit so the 45% rate starts at £125,140 of gross income, matching HMRC.

• Class 1 National Insurance

  Charges 8% between the primary threshold and upper earnings limit and 2% above, on gross earnings rather than post-pension pay.

• All Student Loan Plans

  Plan 1, Plan 2, Plan 4 and postgraduate loans, each with its own threshold and repayment rate.

• Annual, Monthly and Weekly

  Take-home shown three ways, since budgeting happens monthly but pay is often quoted annually.

• Band-by-Band Tax Table

  Shows income and tax in each band, making the jump from basic to higher rate visible rather than buried in a total.

1. 1

   Enter your annual salary

   Use gross salary before any deductions, as shown on your contract or offer letter.

2. 2

   Enter your pension contribution

   As a percentage of salary. The tool treats it as coming off before Income Tax is calculated.

3. 3

   Select your student loan plan

   Plan 1 for pre-2012 English and Welsh loans, Plan 2 for post-2012, Plan 4 for Scottish, or postgraduate. Choose none if you have no loan.

4. 4

   Read your take-home pay

   Check the annual, monthly and weekly figures in the summary cards.

5. 5

   Review the breakdown

   See every deduction line by line, plus the band table showing tax at each rate.

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