Money
UK Take-Home Pay Calculator
Enter your annual gross salary and see exactly what lands in your bank after Income Tax and National Insurance (2024/25 rates).
How it works
We apply the 2024/25 UK tax bands (20%, 40%, 45%) using the standard 1257L personal allowance of £12,570. National Insurance uses the 10% Class 1 rate between £12,570–£50,270 and 2% above. The result is your net pay — the money that actually reaches your bank account.
Frequently asked questions
What is the Personal Allowance for 2024/25?
The standard Personal Allowance is £12,570. This is the amount you can earn before paying any Income Tax. It reduces by £1 for every £2 earned above £100,000.
Does this include pension contributions?
No — enter your gross salary before pension is deducted. If you have a workplace pension, subtract your monthly contribution from the net figure shown.
Why is my take-home less than expected?
Check that you're using your gross salary (before any deductions). Also, your tax code may differ from the standard 1257L if you have benefits in kind or other income.