UK Salary Calculator 2025/26 | Take Home Tax & NI

🇬🇧 UK Salary Calculator (2025/26)

Calculate your true take-home pay after Tax, NI, 8% Pension, and Student Loans.

Annual Salary (£)

Tax Code

Help: Which code do I use?

1257L: Standard code for most employees (First £12,570 is tax-free).
BR: Basic Rate. All income taxed at 20% (Common for second jobs).
D0: Higher Rate. All income taxed at 40%.
K...: Negative allowance (e.g. K100). Used if you have company benefits.

Student Loans (Select all that apply)

Plan 1 (Pre-2012) Plan 2 (Post-2012) Plan 4 (Scotland)

Postgraduate Loan

Pension Contribution (%)

Pension Type

What is the difference?

Auto Enrolment: You pay tax on your full salary, then pension is deducted.
Salary Sacrifice: Pension is taken before tax, saving you money on National Insurance.

Blind Person's Allowance

Understanding Your 2025 Pay Check

This calculator uses the confirmed rates for the April 2025 - April 2026 tax year.

1. The "Waterfall" of Deductions

Your pay is calculated in a specific order. If you use Salary Sacrifice for your pension, that money is removed first. This is powerful because it lowers the amount you pay National Insurance on.

2. Simultaneous Loans (Plan 2 + Postgrad)

It is common to have both an Undergraduate loan (Plan 2) and a Postgraduate loan. These deductions run concurrently:

Plan 2: 9% of everything above £28,470.
Postgraduate: 6% of everything above £21,000.

This means for income above £28,470, you are effectively paying a 15% marginal deduction for student loans alone.