UK Paycheck Calculator — Take-Home Pay After Tax
The UK income tax system uses a personal allowance of £12,570 (for 2025–26) — income below this threshold is completely tax-free. Above the personal allowance, the basic rate (20%) applies up to £50,270, the higher rate (40%) from £50,271 to £125,140, and the additional rate (45%) on income above £125,140. For incomes between £100,000 and £125,140, the personal allowance tapers off at £1 for every £2 earned above £100,000, creating an effective 60% marginal rate in that band.
National Insurance (NI) Class 1 employee contributions are 8% on earnings between the Primary Threshold (£12,570/year) and the Upper Earnings Limit (£50,270/year), and 2% on earnings above that cap. Scottish residents use the Scottish rates (different intermediate bands) rather than the England/Wales/Northern Ireland rates.
Students with outstanding loans deduct repayments based on their plan: Plan 1 (9% above £26,065), Plan 2 (9% above £28,470), Plan 4 (9% above £31,395), and Postgraduate (6% above £21,000). Pension contributions via salary sacrifice reduce both income tax and NI.
Country
Gross income
United Kingdom settings
Take-home pay /2 wks
£2,637
£68,555 / year
£3,846
Gross /2 wks
£1,209
Total deductions
31.4%
Effective tax rate
40.0%
Marginal tax rate
Disclaimer
This calculator provides estimates for informational purposes only. Actual tax withholding may vary based on specific circumstances. This is not tax, legal, or financial advice. Consult a qualified professional for personalized guidance.
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Tax tables: 2026 IRS Publication 15-T | HMRC 2025-2026 | CRA 2026 | ATO 2025-2026 | Income Tax India FY 2025-26
Key Tax Facts
UK personal allowance: £12,570 — income below this is tax-free.
Income tax rates: 20% (basic), 40% (higher), 45% (additional above £125,140).
Personal allowance tapers away at £100K–£125,140 income, creating a 60% effective marginal rate.
National Insurance: 8% on £12,570–£50,270 and 2% above £50,270.
Scottish rates have different intermediate bands (19%, 20%, 21%, 42%, 45%, 48%).