Финансы
UK Salary Calculator
Estimate UK take-home pay after Income Tax, National Insurance, and student loans
Вопросы и ответы
How is UK income tax calculated?
Income Tax is calculated using progressive bands: 0% on the first £12,570 (Personal Allowance), 20% on £12,571-£50,270, 40% on £50,271-£125,140, and 45% above £125,140.
What is the personal allowance and when does it reduce?
The Personal Allowance is £12,570 for most people. It reduces by £1 for every £2 earned above £100,000, until it reaches zero.
How do student loan repayments work?
You repay 9% of your income above the threshold (£24,990 for Plan 1, £27,295 for Plan 2, £31,395 for Plan 4, £25,000 for Plan 5).
How to Use the UK Salary Calculator
Estimate your UK take-home pay after Income Tax, National Insurance, and pension.
- Enter your gross annual salary.
- Add pension contributions and student loan plan if relevant.
- See your take-home pay per year, month, and week.
- Review the Income Tax and National Insurance breakdown.
UK Take-Home
Net Pay
Income Tax uses banded rates above the personal allowance; NI is charged above a threshold.
Example:
Input: £40,000 salary
Calculation: minus tax, NI, pension
Result: ≈ take-home
Real-World Use Cases
Job Offers
Compare net pay across salaries.
Pension Planning
See how contributions affect take-home.
Tips & Common Mistakes
Tips
- Salary sacrifice pensions reduce both tax and NI.
- The personal allowance tapers away at higher incomes.
Common Mistakes to Avoid
- Forgetting student loan repayments.
- Comparing gross salaries instead of net pay.