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Tax & Salary7 min read•November 2, 2026

UK Take-Home Salary Calculator: Income Tax Brackets, NI & Student Loan Reductions

Understand exactly how much of your gross salary you take home each month in the UK after Pay As You Earn (PAYE) income tax, Class 1 National Insurance, and pension deductions.

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Marcus Vance
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International Tax & Salary Calculator

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How UK Income Tax is Calculated

In the United Kingdom, employees are taxed under the PAYE (Pay As You Earn) scheme. Your earnings are broken down into statutory bands:
  • **Personal Allowance (£0 – £12,570):** 0% tax (Tax-free allowance).
  • * **Basic Rate (£12,571 – £50,270):** 20% income tax.
  • **Higher Rate (£50,271 – £125,140):** 40% income tax.
  • * **Additional Rate (Over £125,140):** 45% income tax.

    Test your specific numbers now on our International Tax & Salary Calculator.

    Related Tags:#UK Tax#Salary Calculator#PAYE#National Insurance

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