UK Take-Home Pay Calculator 2024/25 - Calculate Your Net Pay After Tax
Instant UK take-home pay calculator. Accurate PAYE, Umbrella and Limited Company tax breakdowns with student loan, pension and salary sacrifice support — fully updated for the 2025/26 tax year.
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No spam. No sales. Just accurate, transparent UK payroll numbers.
Main calculator
PAYE, Umbrella and Limited Company in one place
Model gross salary, contractor day rates, student loans and pension contributions using official HMRC rates.
Standard PAYE salary calculator
Use this tab if you're a UK employee paid through PAYE. For payslip-by-payslip checks, use the 'Periodic tax check' tab.
Primary job
Enter your main employment income details
Annual: £72,000.00 | Hourly (est.): £36.92
Used to derive hourly breakdown from your results
Your default tax code (e.g. 1257L)
You can have both an undergraduate plan and a postgraduate loan at the same time. Both will be deducted from your take-home pay.
Pension & SIPP
Pensions & SIPP
SIPP amounts are assumed to be paid personally (net of basic-rate relief). Extra relief is estimated based on your combined marginal band.
Additional jobs
No extra jobs added yet. Click "+ Add job" to include more employment.
Take-home pay breakdown
Main job – Primary job
Headline net take-home: £50,229.40 / year (£4,185.78 / month)
- Gross pay (annual)
- £72,000.00
- Gross pay (monthly)
- £6,000.00
- PAYE income tax
- £14,792.00
- National Insurance
- £3,378.60
- Workplace pension (employee)
- £3,600.00
- Student loans
- Included in combined totals below
- Net take-home (annual)
- £50,229.40
Combined across all jobs
Estimated PAYE take-home after income tax, NI, pension and SIPP.
Net take-home (monthly)
£4,185.78
- Gross pay (annual)
- £72,000.00
- PAYE income tax
- £14,792.00
- National Insurance
- £3,378.60
- Workplace pension (employee)
- £3,600.00
Curious how this compares to others in the UK on a similar salary?
These figures are estimates based on current UK PAYE rules and your inputs. They're for guidance only and not an official HMRC calculation.
Wealth percentile
Where you sit versus other UK earners
Based on current salary assumptions from the calculator. Updates automatically whenever you re-run a scenario.
Top 10.0%
You earn more than 90.0% of UK earners.
£43.59/hr
Based on a 37.5 hour working week.
£25,000.00
Reach £110,000.00 to hit the next percentile band.
Home buying power
See what you could afford with your current salary
Estimate your mortgage potential instantly and understand how deposit size affects your total budget.
House price potential
Estimated borrowing power
£382,500.00
Based on a 4.5x income multiple. Lending criteria may vary by bank and risk profile.
Annual salary
£85,000.00
Potential house price (incl. 10% deposit)
£425,000.00
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Coverage
Compare PAYE, Umbrella, and Limited Company take-home pay. Calculate multiple jobs, all student loan plans (1, 2, 4, 5, and Postgraduate), and see how IR35 status affects your net pay.
Transparency
Clear breakdowns of gross pay, income tax, National Insurance, student loan repayments, and pension contributions on every calculation. See exactly where your money goes.
Privacy-first
We only store what's needed for analytics and feedback. Your numbers stay your numbers.
Latest snapshot
£56,200.00 take-home
- Gross Annual
- £85,000.00
- Tax & NI
- £26,050.00
- Pension
- £4,800.00