Net Pay Calculator UK

What Is Net Pay?

Net pay is the amount of money you take home after all deductions have been taken from your gross pay. This includes Income Tax, National Insurance, pension contributions and other deductions. This net pay calculator UK helps you estimate your take home pay.

How to Use the Net Pay Calculator

Enter your gross pay, select your pay frequency, tax region, enter your tax code, and optionally add your pension contribution. Click Calculate Net Pay to see your take home pay.

How Net Pay Is Calculated

Net Pay Example

What Deductions Are Included?

• Income Tax — paid on earnings above your Personal Allowance
• National Insurance — paid on earnings above the Primary Threshold
• Pension Contributions — workplace and personal pensions

Income Tax (2025/26)

Band	England / Wales / NI	Scotland
Personal Allowance	0% up to £12,570	0% up to £12,570
Starter Rate	N/A	19% £12,571-£14,802
Basic Rate	20% £12,571-£37,700	20% £14,803-£26,998
Intermediate Rate	N/A	21% £26,999-£43,732
Higher Rate	40% £37,701-£125,140	42% £43,733-£125,140
Additional / Top Rate	45% over £125,140	48% over £125,140

National Insurance (2025/26)

Employee National Insurance is calculated as:

• 8% on earnings between £12,570 and £50,270
• 2% on earnings above £50,270

Gross Pay vs Net Pay

Gross pay is your total earnings before deductions. Net pay is what you actually receive in your bank account. The difference can be significant — typically 20-30% of gross salary is deducted.

Common Net Pay Mistakes

• Using the wrong tax code — affects your deductions.
• Forgetting National Insurance — a significant deduction.
• Not including pension contributions — they reduce your net pay.
• Using the wrong tax region — Scotland has different rates.

Important Assumptions and Limitations

• Tax year: 2025/26
• Personal Allowance: £12,570 (standard)
• No other deductions (benefits, salary sacrifice, student loans) are included
• Results are estimates, not exact payroll calculations

Frequently Asked Questions