UK Take-Home Pay Calculator 2025/26
Estimate net salary after PAYE income tax and Class 1 employee National Insurance for the 2025/26 tax year. PAYE thresholds remain frozen at 2021/22 levels.
What is the Take-Home Pay (PAYE) Calculator?
For 2025/26, UK take-home pay continues to use the £12,570 personal allowance with 20% / 40% / 45% income-tax bands, and Class 1 employee NI at 8% on earnings £12,570–£50,270 and 2% above. Frozen thresholds mean each pay rise pulls more income into higher bands (fiscal drag).
Last reviewed: against HMRC rates for 2024/25 & 2025/26.
PAYE & NI bands — 2025/26 (England, Wales, NI)
Worked example
Salary £55,000 in 2025/26: £8,432 income tax + £3,109 employee NI = £11,541 deductions → £43,459 take-home (~£3,622/month).
Frequently asked questions
+Has UK take-home pay changed for 2025/26?
Headline rates and thresholds are unchanged from 2024/25 — but with continued threshold freezes and typical wage growth, more workers move into higher-rate territory each year via fiscal drag.
+When does the 2025/26 tax year run?
From 6 April 2025 to 5 April 2026. Employers apply 2025/26 PAYE codes from the first pay period on or after 6 April 2025.
+What's my tax code likely to be in 2025/26?
1257L is the standard tax code for employees with the full personal allowance and no adjustments. HMRC may issue alternative codes (e.g. K-codes, BR, D0, D1) where benefits, multiple employments or under-payments apply.
+What about Scottish residents?
Scottish residents pay six-band Scottish income tax instead of UK income tax — see the Scottish income tax calculator. National Insurance rates are the same UK-wide.