Income & Pay
UK Take-Home Pay
Your net salary after Income Tax, National Insurance, pension, and student loan — 2025/26 rates.
PrivateRuns in your browserEstimateUK 2025/26
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This estimate starts from your income and applies the selected assumptions to show take-home pay, rate targets, or cash-flow impact. Small changes to deductions, benefits, and tax withholding can move the result.
Uses 2025/26 Income Tax (England/Wales/NI and Scotland), National Insurance, and student-loan thresholds.
Smart next steps
- Between £100k and £125,140 you're in the PA-taper trap — a pension contribution there is unusually efficient.
- Salary-sacrifice pension also cuts National Insurance; relief-at-source does not.
- Pick Scotland vs the rest of the UK — the income-tax bands differ noticeably for mid and high earners.