United Kingdom
Salary Breakdown Calculator
Estimate PAYE income tax and employee National Insurance to show your UK net take-home pay.
Enter your salary
Income tax
£7,086
Simplified PAYE bands
National Insurance
£3,543
Primary Class 1
Net salary
£37,371
After tax and NI
What this calculator does
This calculator estimates your take-home pay in the UK by applying simplified PAYE personal allowance and income tax bands together with employee National Insurance charges. It produces annual and monthly net pay estimates so you can compare offers and plan budgets.
Who should use this calculator
Employees, job seekers, and advisors who need a fast estimate of net pay after tax and NI. It is suitable for comparing salary offers and understanding the approximate impact of tax and National Insurance on gross pay.
What actually comes out of a UK payslip
Three deductions explain almost all the gap between your gross salary and what lands in your bank account. Income tax is charged in bands: nothing on the personal allowance, then the basic rate, then higher and additional rates on the slices above each threshold. National Insurance is charged on earnings above its own threshold, at one rate up to an upper limit and a lower rate beyond it. Pension contributions, if you are enrolled, usually come out before tax — which reduces your take-home but also reduces your taxable income.
Why a pay rise can feel smaller than expected
Because the bands are progressive, only the portion of your salary that crosses into a higher band is taxed at the higher rate — you never lose money by earning more. But two thresholds create genuine pinch points: the personal allowance tapers away for very high earners, creating an unusually high effective rate over that range, and crossing into the higher-rate band means each additional pound is taxed more heavily. This is why a headline rise of £5,000 rarely adds £5,000 to your take-home.
How this calculator works
Provide your gross annual salary and the calculator applies a personal allowance, then apportions taxable income across simplified PAYE bands to compute income tax. Employee National Insurance (Class 1 primary contributions) is calculated on relevant earnings to determine final net pay. The model is simplified and excludes regional or employer-specific adjustments.
How to interpret your result
Results show estimated annual and monthly net pay after income tax and employee NI. Use the figures for budgeting and comparisons; they are indicative and do not replace payroll or HMRC calculations. Adjust inputs for pension or salary-sacrifice arrangements before calculating for closer accuracy.
Example
For example, a £40,000 gross salary computed with standard personal allowance and basic PAYE/NI assumptions may yield a monthly take-home in the low £2,500s. Enter your exact salary and deductions to see personalised numbers.
Limitations & disclaimer
This tool provides estimates only. It uses simplified bands and does not include Scotland-specific tax rules, employer pension contributions, salary sacrifice, or other deductions. For formal payroll figures consult HMRC guidance or payroll professionals.
FAQs
How is take-home pay estimated?
We apply simplified PAYE bands and employee National Insurance to gross salary to estimate net pay.
Does this include pension contributions?
No. Enter gross salary before pension or salary sacrifice; subtract those first for closer estimates.
Are regional rules included?
No. This tool uses simplified UK bands and does not include Scotland-specific tax variations.
More UK tools: UK calculators hub. Try Student Loan Repayment or Salary After Tax.