About After Tax Salary Calculator
After Tax Salary Calculator is a free online tool designed to help UK employees, job seekers, and freelancers understand their take-home pay after tax, National Insurance, student loan repayments, and pension contributions.
Our calculator uses official HMRC tax rates and thresholds for the 2025-2026 tax year. All calculations are verified against government sources to ensure accuracy.
Get immediate calculations of your take-home pay, tax breakdowns, and detailed analysis of deductions. No waiting, no registration required.
Compare salaries, calculate bonuses, overtime pay, hourly rates, and more. Multiple calculators to help you make informed financial decisions.
All calculations are performed in your browser. We don't store any personal information or salary data. Your privacy is our priority.
Income Tax
Complete income tax calculations for England, Wales, Northern Ireland, and Scotland. Includes personal allowance, tax bands at 20%, 40%, and 45% (or Scottish 6-band system), and personal allowance taper for high earners.
National Insurance
Class 1 employee National Insurance contributions calculated at 8% (£12,570-£50,270) and 2% (above £50,270) based on latest thresholds.
Student Loan Repayments
Support for all UK student loan plans: Plan 1 (pre-2012), Plan 2 (2012-2023), Plan 4 (Scottish), Plan 5 (post-2023), and Postgraduate loans. Multiple loan calculations supported.
Pension Contributions
Calculate both salary sacrifice and relief-at-source pension contributions, including tax relief and employer contributions.
Understanding your take-home pay is crucial for financial planning, job negotiations, and making informed career decisions. However, UK tax calculations can be complex with multiple variables including regional differences (Scottish tax), student loans, and pension contributions.
We created After Tax Salary Calculator to make these calculations simple, accurate, and accessible to everyone. Whether you're:
- Comparing job offers
- Negotiating a salary increase
- Planning your finances
- Understanding your payslip
- Calculating the impact of overtime or bonuses
Our calculator provides the clarity you need to make confident financial decisions.
All tax rates, thresholds, and calculations are based on official government sources:
- HMRC - UK Tax Rates and Allowances
- GOV.UK - National Insurance Rates
- Student Loans Company - Repayment Thresholds
- Scottish Government - Scottish Income Tax Rates
- House of Commons Library - Tax Year Publications
Our calculator is updated annually when new tax rates are announced (typically in the Autumn Budget) to ensure accuracy for the upcoming tax year.
This calculator is for illustrative purposes only. While we strive for accuracy and update our calculations based on official HMRC rates, actual take-home pay may vary based on individual circumstances.
Factors that may affect your actual take-home pay include:
- Company benefits (company car, private medical insurance, etc.)
- Emergency tax codes or tax code adjustments
- Previous year underpayments or overpayments
- Multiple employments
- Other income sources (self-employment, rental income, etc.)
- Specific employer pension schemes
This tool does not constitute financial or tax advice. For personalized advice regarding your specific situation, please consult a qualified accountant, tax advisor, or financial planner.
We are not responsible for any decisions made based on calculations from this tool. Always verify important financial information with official sources and professional advisors.
Have Questions or Feedback?
We're constantly improving our calculator and adding new features. If you have suggestions, found an error, or have questions about how calculations work, we'd love to hear from you.