UK Take-Home Pay Calculator
2024/25 Tax Year

See exactly what you keep after income tax, National Insurance, pension contributions, and student loan repayments.

✓ Free · No signup 2024/25 rates England, Wales, Scotland Student loan included

Your Salary Details

Annual Gross Salary

Enter your gross salary before any deductions

Tax Region

Hours per week (hourly only)

Pension Contribution

% of gross (salary sacrifice)

Student Loan Plan

Annual Take-Home Pay

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After all deductions

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Per Month

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Per Week

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Per Day

UK Income Tax Rates 2024/25

The UK uses a progressive income tax system — you pay different rates on different portions of your income. Your personal allowance (the amount you earn tax-free) is £12,570 for 2024/25. This tapers to zero for earnings above £100,000.

England, Wales & Northern Ireland

Band	Taxable Income	Rate
Personal Allowance	Up to £12,570	0%
Basic Rate	£12,571 – £50,270	20%
Higher Rate	£50,271 – £125,140	40%
Additional Rate	Over £125,140	45%

Scotland

Band	Taxable Income	Rate
Personal Allowance	Up to £12,570	0%
Starter Rate	£12,571 – £14,876	19%
Basic Rate	£14,877 – £26,561	20%
Intermediate Rate	£26,562 – £43,662	21%
Higher Rate	£43,663 – £75,000	42%
Advanced Rate	£75,001 – £125,140	45%
Top Rate	Over £125,140	48%

National Insurance 2024/25

Employee Class 1 National Insurance rates: 8% on earnings between £12,570 and £50,270 per year, and 2% on earnings above £50,270. There is no NI on the first £12,570 (matched to the personal allowance).

How to Maximise Your Take-Home Pay

Salary sacrifice pension — contributions reduce both income tax and NI, making it highly tax-efficient. A £100 pension contribution costs you only £68 if you're a basic rate taxpayer.
Cycle to Work scheme — save 32–62% on a bike and accessories via salary sacrifice.
Check your tax code — millions of people are on the wrong tax code and overpay. The standard code is 1257L.
Marriage Allowance — if your partner earns less than £12,570, they can transfer £1,260 of their personal allowance to you, saving up to £252 per year.
Gift Aid — charitable donations extend your basic rate band, which can bring higher earners below the 40% threshold.

2024/25 Key Thresholds

£12,570 — Personal Allowance (tax-free)

£50,270 — Higher rate threshold

£100,000 — Personal allowance starts to reduce

£125,140 — No personal allowance remaining

Student loan thresholds:

Plan 1: £24,990 · Plan 2: £27,295 · Plan 4: £31,395 · Postgrad: £21,000

Frequently Asked Questions

What is National Insurance?

National Insurance (NI) is a tax on earnings that funds the NHS, state pension, and other benefits. In 2024/25, employees pay 8% on earnings between £12,570 and £50,270, and 2% above that. Your employer also pays 13.8% on your earnings above £9,100 (Employer NI).

Why is my actual pay different from the estimate?

This calculator uses the standard 1257L tax code. Your actual tax may vary if you have a different code (e.g., because of other income, company benefits in kind, or unpaid tax from a prior year). It also assumes you're employed with a regular salary — freelancers and contractors may have different calculations.

How does salary sacrifice pension work?

With salary sacrifice, your pension contribution is deducted from your gross pay before tax and NI are calculated. This means you save both income tax and NI on the contribution. For example, a basic rate taxpayer saves 32p for every £1 contributed — the contribution effectively costs them only 68p.

What happens to my personal allowance over £100,000?

Your personal allowance is reduced by £1 for every £2 you earn above £100,000. This creates an effective 60% marginal tax rate on income between £100,000 and £125,140 — the highest in the standard UK tax system. Pension contributions can be very effective for earners in this range.

Am I on the right tax code?

Check your payslip for your tax code. The standard code for 2024/25 is 1257L, which gives you the full £12,570 personal allowance. If you have a different code and aren't sure why, contact HMRC or check your Personal Tax Account at gov.uk. Common reasons for different codes include company car benefits, underpaid tax from prior years, or multiple jobs.