PAYE Salary Calculator UK
Estimate your UK take-home pay after income tax, National Insurance, pension and student loan repayments. Enter your annual salary to see monthly and annual net pay.
Calculator
What this means
PAYE (Pay As You Earn) is the system HMRC uses to collect income tax and National Insurance from your salary before you receive it. Student loan repayments are also deducted through PAYE if you have a plan. Your take-home pay is what remains after these deductions and any pension contributions.
Frequently asked questions
This calculator uses standard 2025/26 UK tax rates and provides a close estimate. Your actual pay may differ due to tax codes, student loans, benefits in kind or other deductions.
For the 2025/26 tax year, the standard personal allowance is £12,570. You pay no income tax on earnings up to this amount.
Yes. Select your student loan plan in the calculator to estimate repayments. Plan 2 repayments are 9% of earnings above £27,295 per year.
Disclaimer
This calculator provides estimates for guidance only. It is not financial, legal or tax advice. Always check official sources or speak to a qualified professional before making decisions.
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