Salary Calculator

For 2025/26 in England: the first £12,570 is tax-free (personal allowance). You pay 20% on income from £12,571 to £50,270, 40% from £50,271 to £125,140, and 45% above £125,140. The personal allowance tapers away at £1 for every £2 earned above £100,000.

Employees pay 8% NI on earnings between £12,570 and £50,270, and 2% on earnings above £50,270. NI contributes toward your State Pension entitlement and certain benefits. It is calculated on gross salary before pension deductions.

Select your filing status (Single, Married Filing Jointly, or Head of Household) and your state. The calculator applies 2025 federal income tax brackets, your state's income tax rate (flat or progressive), and FICA taxes — Social Security (6.2% up to $176,100) and Medicare (1.45% plus 0.9% above $200k).

Yes — in the UK, workplace pension contributions made under salary sacrifice reduce your gross taxable pay before income tax and NI are calculated, saving you both taxes. In the USA, traditional 401(k) contributions also reduce federal and most state taxable income.

Plan 1 (pre-2012 loans): repay 9% on income above £24,990. Plan 2 (post-2012 England/Wales): 9% above £27,295. Plan 5 (post-2023 England): 9% above £25,000. Repayments are automatically calculated once you select your plan in the calculator.

Gross salary is your salary before any deductions. Take-home pay (also called net pay or net salary after tax) is what you actually receive after income tax, National Insurance, pension, and student loans are deducted. Use this free take home pay calculator to see the exact difference for your salary.

Divide your annual salary by 52 weeks, then by your contracted weekly hours. For example: £30,000 ÷ 52 ÷ 37.5 = £15.38/hour. Our hourly wage calculator does this instantly — just switch the pay period to "Hourly" at the top of the calculator.