UK Take-Home Pay Calculator 2024/25
Estimate net salary after PAYE income tax and Class 1 employee National Insurance for the 2024/25 tax year. The 2024/25 year saw the headline employee NI main rate cut from 10% to 8% on 6 April 2024.
What is the Take-Home Pay (PAYE) Calculator?
For tax year 2024/25, UK take-home pay was calculated using the £12,570 personal allowance with 20% / 40% / 45% income-tax bands, and Class 1 employee NI at 8% on earnings between £12,570 and £50,270 and 2% above. The 8% NI main rate took effect from 6 April 2024 — the second cut in 12 months.
Last reviewed: against HMRC rates for 2024/25 & 2025/26.
PAYE & NI bands — 2024/25
Worked example
Salary £35,000 in 2024/25: £4,486 income tax + £1,794 employee NI = £6,280 deductions → £28,720 take-home (~£2,393/month).
Frequently asked questions
+When did the 8% NI rate start?
On 6 April 2024 — the start of tax year 2024/25. The Spring Budget 2024 cut the employee Class 1 main rate from 10% to 8%, following the 12% → 10% cut in January 2024.
+Were 2024/25 income-tax bands different from 2025/26?
No — the bands and thresholds are identical for both years. The personal allowance has been frozen at £12,570 since 2021/22 and is scheduled to remain frozen until April 2028.
+Should I use the 2024/25 calculator for my P60?
Yes — your 2024/25 P60 (received by 31 May 2025) reflects rates from 6 April 2024 to 5 April 2025. This calculator uses the same rates HMRC applied during that year.
+What if my employer applied the wrong tax code?
Reconcile the figures with your P60 and contact HMRC if the tax deducted differs materially. HMRC will issue a P800 if you've over- or under-paid; refunds/payments can be processed via your Personal Tax Account.