United Kingdom Salary Calculator
The UK taxes income above the £12,570 Personal Allowance at 20%, then 40% and 45% for higher earners, with National Insurance charged separately at 8% and 2%. The allowance tapers away between £100,000 and £125,140, creating an effective 60% band. All figures are in pounds (£).
Example: £35,000 gross in United Kingdom
A 12-payment employee salary, 2026 rates — computed by the Saldora API.
Net annual
£28,720
Net monthly
£2,393
Income tax
£4,486
Effective rate
17.9%
How salary tax works in United Kingdom
- Personal Allowance: first £12,570 tax-free (tapered above £100,000)
- Income tax: 20% to £50,270, 40% to £125,140, 45% above
- National Insurance: 8% on £12,570–£50,270, 2% above — separate from income tax
- Employer National Insurance at 15% shows your true cost to hire
- Self-employed: Class 4 NI at 6% then 2%, VAT registration at £90,000
Figures cover England, Wales and Northern Ireland for the 2025/26 tax year (thresholds are frozen through 2027/28). Scotland has its own income-tax bands.
United Kingdom salary tax — frequently asked questions
How much of my salary do I take home in the UK?
Above the £12,570 Personal Allowance, income tax is 20%, then 40% over £50,270 and 45% over £125,140, with National Insurance of 8% (then 2%) on top. On a £35,000 salary the effective deduction is around 25%. Enter your own figure above for an exact breakdown.
What is the £100,000 tax trap?
Between £100,000 and £125,140 your Personal Allowance is reduced by £1 for every £2 you earn, so that band is effectively taxed at about 60%. The calculator models this taper automatically.
Does it include National Insurance and employer cost?
Yes. Employee National Insurance (Class 1) is calculated separately from income tax, and for employees we also show the employer's 15% National Insurance and total cost to hire.
Can it calculate self-employed (sole trader) tax?
Yes — switch to Freelancer to model income tax on your profit, Class 4 National Insurance and VAT once you pass the £90,000 registration threshold.
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Estimates based on publicly available 2026 tax rules for United Kingdom. For informational purposes only — not tax advice. Consult a qualified tax advisor for your specific situation.