The UK Salary After Tax Calculator 2025 helps you estimate your take-home pay using the official HMRC tax rates for the 2025/26 tax year. It includes all current income tax bands, National Insurance contributions, and pension deductions for England, Scotland, and Wales. Enter your salary to see exactly how much tax you’ll pay and what your monthly net income will be in 2025.
How the UK Salary After Tax Calculator Works
This calculator applies the official HMRC 2025/26 thresholds and tax rates. The first £12,570 of your income is tax-free due to the Personal Allowance. Income above that is taxed in progressive bands, while National Insurance contributions are calculated separately on earnings above the lower limit.
2025/26 Tax Bands for England, Wales & Northern Ireland
- 0% on income up to £12,570
- 20% on income between £12,571 and £50,270
- 40% on income between £50,271 and £125,140
- 45% on income above £125,140
2025/26 Tax Bands for Scotland
- 19% Starter Rate: £12,571–£14,732
- 20% Basic Rate: £14,733–£25,688
- 21% Intermediate Rate: £25,689–£43,662
- 42% Higher Rate: £43,663–£75,000
- 47% Top Rate: £75,001+
National Insurance (2025/26)
Employees pay 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270.
Does this calculator include Scotland’s tax rates?
Yes, it includes all current Scottish bands and rates for the 2025/26 tax year.
Can I calculate monthly take-home pay?
Yes, the calculator automatically divides your annual net pay by 12 to show your monthly take-home income.
Is the data verified?
Yes. All tax thresholds and rates are based on the official HMRC 2025/26 income tax data
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