How to Work Out Your UK Salary After Tax and National Insurance
See your take-home pay from a gross UK salary after income tax and National Insurance, per year, month and week, and understand each band.
A job offer in the UK quotes gross pay. Your real income depends on income tax and National Insurance, and both rise in bands.
Quick answer
Enter your gross yearly salary to see income tax, National Insurance and take-home pay per year, month and week. For pension and student-loan options, use the UK Take-Home Pay Calculator, which is built on the same engine.
How the system works (England, Wales, Northern Ireland)
- Personal allowance: the first £12,570 of income is tax-free. It reduces by £1 for every £2 you earn above £100,000.
- Basic rate: 20 percent on income above the allowance up to £50,270.
- Higher rate: 40 percent from £50,270 to £125,140.
- Additional rate: 45 percent above £125,140.
- National Insurance (employee): a percentage on earnings above the primary threshold, with a lower rate above the upper earnings limit.
Scotland has its own income tax bands, which are not included in this calculator.
Example idea
A gross salary of £40,000 has income tax on £27,430 at 20 percent and National Insurance on earnings above the threshold. The result is shown per year, month and week by the tool.
Steps
- Enter your annual gross salary.
- Read the tax, NI and net pay.
- Compare months and weeks to plan a budget.
Other things that change take-home pay
- Workplace pension contributions.
- Student loan repayments (plans 1, 2, 4, 5 and postgraduate).
- Salary sacrifice schemes.
- Tax codes other than the standard one.
- Benefits in kind such as a company car.
Rates change each tax year. This is an estimate, not tax advice; check GOV.UK for current figures.