Calculate your UK take-home pay
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The personal allowance for the 2024/25 tax year is £12,570. This is the amount you can earn tax-free before income tax is charged. This allowance is gradually reduced for those earning over £100,000.
National Insurance is charged at 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270. Our calculator automatically applies these rates based on your salary.
Yes, pension contributions are deducted from your gross salary before tax is calculated, effectively reducing your taxable income. This means you save income tax and National Insurance on your pension contributions.
The tax bands are: 0% up to £12,570 (personal allowance), 20% from £12,571 to £50,270 (basic rate), 40% from £50,271 to £125,140 (higher rate), and 45% above £125,140 (additional rate).
Our calculator uses official HMRC tax rates and National Insurance rates for 2024/25 and 2025/26. Results are estimates and actual take-home pay may vary slightly based on your specific tax code and circumstances.