PAYE Calculator
Work out your take-home pay under PAYE (2025/26): income tax and employee National Insurance on your salary, with net monthly pay and effective rate.
Gegevens gecontroleerd · juli 2026
Does this include Scottish income tax?
No — it uses rest-of-UK bands (20/40/45%). Scottish taxpayers have additional starter, basic, intermediate, higher, advanced and top rates.
Bron: HMRC — Income Tax rates and Personal Allowances (gov.uk/income-tax-rates); National Insurance rates for employees (gov.uk/national-insurance-rates-letters), 2025/26. · bijgewerkt 2026
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Alles over PAYE Calculator
📋Overzicht+
Splits a rest-of-UK salary the way HMRC does for 2025/26: the £12,570 personal allowance (tapered £1 for every £2 of income above £100,000), income tax at 20% / 40% / 45%, and employee National Insurance at 8% between £12,570 and £50,270 then 2% above. Salary-sacrifice pension contributions cut both the taxable and NICable pay.
💡 Best practices
- The 60% band between £100,000 and £125,140 (allowance taper) makes pension contributions especially tax-efficient there.
- Scotland has different income tax bands — this calculator uses rest-of-UK rates.
- A salary-sacrifice pension cuts NIC as well as income tax, unlike a relief-at-source contribution.
🔢 Concreet voorbeeld
A £45,000 salary: £6,486 income tax + £2,594 employee NIC = £9,080 deducted, leaving £35,920 net (£2,993/month) — a 20.2% effective rate.
📖Handleiding+
Zo gebruikt u deze rekentool
- 1
Enter your gross annual salary.
- 2
Adjust the personal allowance only if your tax code differs from the standard 1257L.
- 3
Add any salary-sacrifice pension percentage — it reduces taxable and NICable pay.
- 4
Read your income tax, employee NIC, and net monthly take-home.
📚Woordenlijst+
- Personal Allowance
- The £12,570 of income taxed at 0%. It is reduced by £1 for every £2 earned over £100,000, disappearing entirely at £125,140.
- Employee National Insurance (Class 1)
- 8% of earnings between £12,570 and £50,270, then 2% on everything above — deducted through payroll alongside income tax.
ℹ️Bronnen & updates+
Laatste gegevensupdate
7 juli 2026
Bronnen en referenties
HMRC — Income Tax rates and Personal Allowances (gov.uk/income-tax-rates); National Insurance rates for employees (gov.uk/national-insurance-rates-letters), 2025/26.
De gegevens van deze rekentool worden regelmatig bijgewerkt volgens de laatste officiële tarieven. Raadpleeg bij twijfel de bovenstaande officiële bronnen.
FAQ — PAYE Calculator
Does this include Scottish income tax?+
No — it uses rest-of-UK bands (20/40/45%). Scottish taxpayers have additional starter, basic, intermediate, higher, advanced and top rates.
What about student loan repayments?+
PAYE deducts income tax and NIC only. Use the Student Loan Repayment calculator for the additional 9%/6% deductions.