UK Salary Calculator

Enter your gross annual salary, your pension contribution as a percentage of salary, and your student loan plan. Then pick your region — England, Wales & Northern Ireland share the same income tax bands, while Scotland has its own — and the tax year you want to check. Results update instantly as you type.

Worked example: a £30,000 salary in England with a 5% pension and no student loan gives gross pension of £1,500, income tax of about £3,186, National Insurance of about £1,394, and take-home of roughly £23,920 a year, or £1,993 a month.

Most UK taxpayers get a £12,570 personal allowance — the amount you can earn before income tax starts. Above that, you pay 20% (basic rate) on earnings up to £50,270, 40% (higher rate) up to £125,140, and 45% (additional rate) on anything beyond.

Once your income passes £100,000, the personal allowance is withdrawn by £1 for every £2 you earn, disappearing entirely at £125,140. This calculator applies that taper automatically.

Employees pay Class 1 National Insurance at 8% on earnings between £12,570 and £50,270, then 2% on everything above. NI is calculated on your gross pay — pension contributions made through relief at source do not reduce it.

Student loan repayments are 9% of earnings above your plan’s threshold (6% for postgraduate loans). The 2026/27 thresholds are £26,900 (Plan 1), £29,385 (Plan 2), £33,795 (Plan 4), £25,000 (Plan 5) and £21,000 (postgraduate).

Results assume a standard 1257L tax code, a relief-at-source pension, and rates for your chosen region and tax year. Benefits in kind, salary sacrifice schemes and second jobs are not included. Treat the figures as a close estimate, not a payslip.