What tax year does this calculator cover?

This calculator uses 2024/25 HMRC rates: a Personal Allowance of £12,570, basic rate of 20% on £12,571–£50,270, higher rate of 40% on £50,271–£125,140, and an additional rate of 45% above £125,140. The Personal Allowance tapers by £1 for every £2 of income above £100,000.

How is National Insurance calculated?

Class 1 employee NI for 2024/25 is 8% on weekly earnings between £242 and £967 (£12,570–£50,270 annually), and 2% on earnings above £967 per week. No NI is due on earnings below the Primary Threshold of £242 per week.

Does this include Scottish income tax?

No. Scottish taxpayers pay different rates set by the Scottish Parliament. This calculator applies the England, Wales, and Northern Ireland rates only.

How are pension contributions handled?

Relief-at-source pension contributions entered here reduce your gross income before income tax is calculated, simulating the tax relief you receive. NI is still calculated on the full gross salary as NI is not reduced by pension contributions in most schemes.

What is the Personal Allowance taper?

If your income exceeds £100,000, your Personal Allowance reduces by £1 for every £2 of income above that threshold. At £125,140 or above, the Personal Allowance is fully withdrawn and you pay 40% or 45% on all income above the basic rate band.

Which student loan plans are supported?

Plan 1 (threshold £24,990 at 9%), Plan 2 (threshold £27,295 at 9%), Plan 4 Scotland (threshold £31,395 at 9%), and Postgraduate Loan (threshold £21,000 at 6%). Repayments are calculated on income above the threshold and subtracted from take-home pay.

UK Income Tax Calculator

Name: UK Income Tax Calculator
Availability: InStock
Author: Nham Vu

Enter your gross salary to instantly see your UK income tax, National Insurance contributions, and net take-home pay for 2024/25.

Your Salary Details

Gross Salary

Pension Contribution

Reduces taxable income (relief-at-source).

Student Loan Plan

Based on 2024/25 HMRC rates. England, Wales & Northern Ireland only. Does not include Scottish income tax rates.

Gross Salary

£35,000

Income Tax

£0

Nat. Insurance

£0

Take-Home

£0

Annual vs Monthly Breakdown

Item	Annual	Monthly
Enter your salary above and click Calculate.

Income Tax Band Breakdown

Enter your salary to see the band breakdown.

How Your Salary Is Allocated

Enter your salary to see the allocation chart.

Summary

Enter your gross salary to instantly see your UK income tax, National Insurance contributions, and net take-home pay for 2024/25.

How it works

Enter your gross salary and choose whether it is annual or monthly.
Optionally enter pension contributions (percentage or fixed amount) to reduce taxable income.
Select a student loan plan if applicable — repayments are deducted from take-home pay.
The calculator applies the 2024/25 Personal Allowance of £12,570 and income tax bands.
Class 1 employee National Insurance is calculated on earnings above the Primary Threshold.
Your annual and monthly income tax, NI, and net take-home figures are shown instantly.

Use cases

Estimate how much of your salary you keep after tax and NI.
Compare take-home pay for different salary levels or job offers.
Understand the impact of a pay rise on your net income.
Calculate pension contribution effects on your tax bill.
Check whether you are a basic, higher, or additional rate taxpayer.
Plan student loan repayments alongside your net pay.
Model the tax cost of overtime, bonuses, or freelance income.
Verify your payslip figures match HMRC rules.

Frequently Asked Questions

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Last updated: 2026-05-23 · Reviewed by Nham Vu