Salary Calculator
Free take-home pay calculator for UK, USA and global salaries
Enter your salary and this works out your take-home pay after income tax, National Insurance, pension and student loan — for the UK's 2025/26 tax year, any US state, or anywhere else using your own rates. You can flip between annual, monthly and hourly figures in a click, which makes it easy to weigh a salaried role against contract or hourly work on the same terms.
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Take-Home Pay
Full Breakdown
Why your take-home isn't just salary minus tax
The gap between the salary you're offered and the money that lands in your account is wider than most people expect, because several deductions stack on top of one another. Income tax is charged in bands, so only the slice of your salary above each threshold is taxed at that band's rate — a common worry is that a pay rise into a higher band taxes your whole income more, which it doesn't.
On top of tax sit National Insurance, any workplace pension contribution (which lowers your taxable pay, so it costs you less than the headline figure), and student loan repayments where they apply, again charged only on income above a threshold. Because these interact, two people on the same salary can take home noticeably different amounts depending on their pension and student-loan position.
❓ Frequently Asked Questions
How much income tax do I pay in the UK? ▼
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.
What is National Insurance (NI) in 2025/26? ▼
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.
How does the USA salary calculator work? ▼
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).
Does pension contribution reduce my tax? ▼
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.
What are the student loan repayment thresholds in 2025/26? ▼
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.
What is the difference between gross salary and take-home pay? ▼
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.
How do I calculate my hourly rate from my annual 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.
📐 Pro Rata Salary & Pay Rise
Work out a part-time pro-rata salary, or what a pay rise gives you
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