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Take-Home Pay Tax Calculator

Want to know exactly how much of your salary ends up in your bank account? Our easy-to-use UK Take-Home Pay Tax Calculator gives you a full breakdown of how much Income Tax and National Insurance you’ll pay – and what you’ll take home each year, month, week, and day.

Whether you’re employed, self-employed, or just curious about your payslip, this calculator will help you understand exactly where your money goes – and how to keep more of it.

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How to Use the Take-Home Pay Calculator

Using our UK salary calculator is simple. Just follow these steps to get your full breakdown:

Enter your gross annual salary – this is your pay before tax.
Select your student loan plan – if applicable. Choose from Plan 1, Plan 2, Plan 4, or Postgraduate.
Click ‘Calculate’ – and instantly see:
- Your total Income Tax
- Your National Insurance contributions
- Any student loan deductions
- Your final net (take-home) pay
- Plus your income broken down annually, monthly, weekly, and daily

Our calculator uses the latest UK tax rates for the 2024/25 tax year to ensure your results are accurate.

Why It’s Important to Know Your Take-Home Pay

Your take-home pay is what’s left after Income Tax, National Insurance, and any other deductions. It’s the amount that actually lands in your account – and it can often be quite different from your gross salary.

Knowing exactly how much you’ll earn helps with:

Budgeting your monthly expenses more accurately
Planning savings, investments, or major purchases
Avoiding surprises when you receive your first payslip
Understanding how changes in income affect your tax
Being aware of student loan repayments or thresholds

Whether you're starting a new job, going self-employed, or reviewing your finances, knowing your real take-home pay can make a huge difference to how you manage your money.

UK Salary Examples: Gross vs Take-Home Pay

Here are a few real-world examples of what your net pay could look like at different salary levels. These figures are based on the 2024/25 tax year for someone on a standard tax code with no other deductions (e.g., no student loan or pension contributions).

Note: These are estimates. Your actual take-home pay may vary depending on factors like pension contributions, benefits, student loan plans, or other deductions.

Want to Keep More of Your Take-Home Pay? Let’s Talk.

Working out your take-home pay is just the first step. At Ultra Tax Ltd, we help clients across the UK reduce their tax bills, maximise allowable expenses, and keep more of what they earn.

Whether you’re: