United Kingdom · 2025/26 tax year
See your take-home pay after income tax, National Insurance, student loan and pension. Updated for the 2025/26 tax year.
annual gross salary
Salary sacrifice — reduces income tax and National Insurance
Display pay period
Your take-home pay
per month · gross £3,750
Step-by-step breakdown
What each deduction means
Income Tax
Applied above the £12,570 personal allowance. Basic rate 20% to £50,270; higher rate 40% to £125,140; additional rate 45% above. The personal allowance tapers away above £100,000.
National Insurance
Employee Class 1 NI: 8% on earnings £12,570–£50,270, then 2% above. Salary-sacrifice pension reduces NI wages, saving you NI contributions.
Estimates use the latest 2025 tax rates. Individual circumstances vary. Not financial advice.
£25K · £30K · £40K · £50K · £60K · £80K · £100K — tap to pre-fill the calculator.
UK take-home pay is your gross salary minus income tax, National Insurance and any pension or student loan deductions. For 2025/26 the personal allowance is £12,570 — earn less than that and you pay no income tax. Above it, the basic rate of 20% applies up to £50,270, the higher rate of 40% up to £125,140, and the additional rate of 45% above that.
National Insurance is charged separately: employees pay 8% on earnings between £12,570 and £50,270, then 2% on anything above. A salary-sacrifice pension reduces both your income tax and your National Insurance, because the contribution comes out of gross pay before either is calculated — one of the most tax-efficient things you can do with a pay rise.
Watch the £100,000 threshold: the personal allowance tapers away by £1 for every £2 earned above it, fully gone at £125,140. This creates an effective 60% marginal rate on that band of income, which a pension contribution can help you avoid.
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National Insurance (NI) is a contribution separate from income tax that funds the State Pension and certain benefits. Employees pay Class 1 NI at 8% on earnings between £12,570 and £50,270 a year, then 2% on everything above £50,270. It is deducted automatically through PAYE alongside income tax. Salary-sacrifice pension contributions reduce the earnings NI is charged on, lowering your NI bill.
The personal allowance is the amount you can earn before paying any income tax — £12,570 for the 2025/26 tax year. Income above it is taxed at 20% (basic rate) up to £50,270, 40% (higher rate) up to £125,140, and 45% (additional rate) above that. The allowance is reduced by £1 for every £2 you earn over £100,000, so it disappears entirely at £125,140 — creating an effective 60% marginal rate between £100,000 and £125,140.
Your net pay is your gross salary minus income tax, National Insurance, any pension contribution and student loan repayments. For 2025/26, income tax uses the £12,570 personal allowance with 20%/40%/45% bands, and NI is 8% then 2%. A £40,000 salary, for example, pays around £5,486 income tax and £2,194 National Insurance, leaving roughly £32,320 take-home before any pension.
Student loan repayments are deducted as a percentage of income above a plan-specific threshold, not as a tax. Plan 2 (most English and Welsh graduates since 2012) repays 9% above £28,470; Plan 1 above £26,065; Plan 4 (Scotland) above £32,745; and Postgraduate loans 6% above £21,000. You can owe more than one type at once, and repayments stop automatically once the balance is cleared.
Pension contributions made by salary sacrifice come out of gross pay before income tax and National Insurance, making them highly tax-efficient. Contributing 5% of a £50,000 salary (£2,500) saves 20% income tax and 8% NI on that amount. Many employers match contributions, and the annual allowance for tax-relieved pension saving is £60,000 for 2025/26. This calculator lets you model different pension percentages instantly.