In-Hand™ UK Salary Calculator

A UK take-home salary calculator estimates how much of your gross pay you keep each month after PAYE Income Tax, employee Class 1 National Insurance, optional student loan repayments, and any employee pension percentage you enter. It is a planning tool, not a substitute for your employer payroll or HMRC.

Figures follow the UK tax year 2025-26. Income tax and employee NI are modelled for England, Wales and Northern Ireland. Scotland uses different income tax bands; if you are a Scottish taxpayer you should treat income tax as indicative and verify against HMRC or a qualified adviser.

We apply PAYE-style income tax using the standard personal allowance (with taper above £100,000 where relevant), then basic, higher and additional rates on taxable income after your pension percentage is deducted from the gross slice you are modelling. Your exact coding notice, marriage allowance, or other adjustments can change what HMRC collects.

Employee Class 1 NI uses the 2025-26 primary threshold and upper earnings limit: 8% on earnings in the middle band and 2% above the upper limit, on the gross slice used for this calculator. Categories other than the common employee category, or employer NI, are not shown here.

You choose Plan 1, 2, 4 (Scotland), 5, postgraduate, or none. Where a plan applies, we calculate the annual repayment as a percentage of income above that plan's threshold, consistent with standard PAYE repayment rules. Your actual deductions can differ if you have multiple jobs or a prior-year balance.

Your pension percentage is applied to the gross amount after bonus and RSU exclusions. It reduces taxable income for income tax in a relief-at-source style way in this model. National Insurance in this tool is calculated on the same gross slice before pension, which matches many common setups but not every salary sacrifice arrangement.

They subtract annual amounts from your headline gross so tax, NI and student loan in this tool run on the remaining salary slice only. They do not separately calculate tax on bonus or equity; use them when you want take-home on base pay while carving out lump sums you handle elsewhere.

Often they will be close for straightforward employment, but payslips reflect your tax code, week-1 or month-1 basis, benefits in kind, overtime, payroll timing, and employer-specific pension rules. Use In-Hand.in as a guide and rely on your P60, P45, or HMRC personal tax account for authoritative amounts.

This page is built for employees paid under PAYE. Contractors outside PAYE, sole traders, or IR35 arrangements need different calculations for tax and NICs. Use a specialist adviser or HMRC guidance for those cases.

No. In-Hand.in is an independent calculator for education and planning. Rates and rules are implemented carefully for 2025-26 but are not guaranteed complete for every individual. Always confirm with HMRC or a qualified tax professional before making decisions.