UK Salary Calculator 2025/26
Visual PAYE Tax Breakdown & Flow Chart
Calculate your UK take-home pay for 2025/26, including UK PAYE income tax, National Insurance, Pension and Student Loan deductions. Explore clear visual breakdowns of where money flows, and compare how a salary increase changes what you actually keep. Select "2026/27" from the dropdown below to see results for the upcoming tax year.
Salary Flow Chart - 2025/26
Yearly breakdown of a £39,000.00 gross annual salary in 2025/26
Salary Breakdown Table - 2025/26
| Metric | Yearly | Monthly | Weekly | Daily |
|---|---|---|---|---|
Gross income | £39,000.00 | £3,250.00 | £750.00 | £150.00 |
| Personal allowance | £12,570.00 | £1,047.50 | £241.73 | £48.35 |
| Taxable income | £26,430.00 | £2,202.50 | £508.27 | £101.65 |
Deductions | £7,400.40 | £616.70 | £142.32 | £28.46 |
Income tax | £5,286.00 | £440.50 | £101.65 | £20.33 |
| Basic rate | £5,286.00 | £440.50 | £101.65 | £20.33 |
| National Insurance | £2,114.40 | £176.20 | £40.66 | £8.13 |
| Net take-home | £31,599.60 | £2,633.30 | £607.68 | £121.54 |
How to Use This Salary Calculator
Whether you’re comparing a job offer, planning for a pay rise, or simply want to understand where your money goes, UK Salary Calculator provides a clear breakdown of your UK salary after tax. Enter your gross income and optionally add pension contributions, student loans, or a potential raise to see how each factor affects your take‑home pay.
Step‑by‑Step Guide
1. Enter your gross income - Start by entering either your annual salary or hourly rate. If you select hourly pay, the calculator converts your rate into an annual salary using typical working hours so it can apply the correct UK PAYE tax rules.
2. (Optional) Simulate a potential raise - You can model the impact of a pay rise by entering either:
- a percentage increase, or
- an absolute salary increase in pounds.
This lets you see how much of a raise you would actually keep after Income Tax, National Insurance, pension contributions, and student loan repayments.
3. (Optional) Add pension contributions - If you contribute to a workplace pension, enter either:
- a percentage of your salary, or
- a fixed contribution amount.
You can also choose how the pension is taken:
- Salary sacrifice – contributions are deducted before Income Tax and National Insurance.
- Net pay arrangement – contributions are deducted before Income Tax only.
The calculator adjusts your taxable income accordingly so you can see the true effect on take‑home pay.
4. (Optional) Select your student loan plan(s) - select from Plans 1, 2, 4, 5, and Postgraduate Loan. You can combine multiple plans if you’re repaying more than one simultaneously.
5. (Optional) Adjust the tax year - You may want to change the tax year to project your after-tax salary into the future or the past. Different tax years can have different thresholds for Personal Allowance, Income Tax bands, National Insurance contributions, and student loan repayments.
Understanding Your Results
Once you’ve entered your details, the calculator instantly updates two views of your salary:
- Sankey diagram – a visual flow of your gross income showing exactly how much goes to Income Tax, National Insurance, pension contributions, student loan repayments, and your final take‑home pay. If you’ve entered a raise, the diagram updates to show the side-by-side impact.
- Detailed breakdown table – a full numerical summary including your effective tax rate, marginal tax rate, and the precise deductions across each tax band. The table also highlights the difference a raise makes by line item.
You can also toggle the results between yearly, monthly, weekly, and daily figures to understand how deductions affect your income over different time periods.
Why Use UK Salary Calculator?
UK Salary Calculator is made for visualising exactly where your salary goes. The Sankey diagram breaks your income into clear paths for Income Tax, National Insurance, pension contributions, student loan repayments, and your final net pay. Because the widths of the flows represent real amounts of money, comparing different salary scenarios is easy. You can:
- see how a pay rise changes the flow of your income
- compare the impact of different pension contribution levels
- understand how student loan repayments affect take‑home pay
- see how deductions change across different tax years
Combined with the detailed breakdown table and official UK PAYE tax rules, the calculator provides a clear and realistic view of your after‑tax salary and take‑home pay in the UK.