The UK's Most Accurate Salary Calculator
Understanding your take-home pay in the UK can be complex with income tax, National Insurance contributions, pension deductions, and student loan repayments all affecting your net salary. SupaCalc provides instant, accurate calculations based on the latest HMRC tax rates for the 2024/25 tax year.
Whether you're negotiating a new job offer, planning a career change, or simply want to understand your payslip better, our free UK salary calculator breaks down exactly how much money you'll take home each month after all deductions.
Understanding UK Salary Deductions
Your gross salary is reduced by several mandatory and voluntary deductions
Income Tax (PAYE)
Paid on earnings above the £12,570 personal allowance. Rates are 20% basic, 40% higher, and 45% additional rate for earnings over £125,140.
Learn moreNational Insurance
Contributions fund state benefits and NHS. Currently 8% on earnings between £12,570 and £50,270, then 2% above that threshold.
Learn morePension Contributions
Auto-enrolment requires minimum 5% employee contribution. Contributions reduce taxable income, providing tax relief at your marginal rate.
Learn moreStudent Loan
Repayments depend on your plan type. Plan 2 takes 9% on earnings above £27,295. Plan 5 threshold is £25,000 with the same 9% rate.
Learn moreFree Salary Calculators
Calculate your UK take-home pay with our range of free tools. No signup required.
Our calculators are updated for the 2024/25 tax year and include the latest HMRC rates for income tax bands, National Insurance thresholds, and student loan repayment plans. Calculate annual, monthly, weekly, or daily take-home pay instantly.
UK Tax Rates 2024/25
Current income tax bands and National Insurance thresholds
Income Tax Bands (England, Wales & NI)
National Insurance Rates
Scotland has different income tax bands. View Scottish tax rates
Who Uses SupaCalc?
Trusted by employees, employers, and financial professionals across the UK
Job Seekers
Compare job offers by calculating the real take-home pay difference. Understand how salary, location, and benefits affect your net income.
HR & Payroll Teams
Quickly estimate employee costs and net pay for budgeting. Calculate employer NI contributions and total cost of employment.
Financial Planners
Model different salary scenarios for clients. Plan pension contributions, salary sacrifice, and tax-efficient remuneration strategies.
Powerful Salary Calculation Features
Everything you need to understand and plan your UK income
PAYE Tax Calculator
Calculate income tax using the Pay As You Earn system. Supports all UK tax codes including BR, 0T, K codes, and Scottish rates.
Salary Comparison Tool
Compare two salaries side-by-side with full tax breakdowns. Perfect for evaluating job offers or pay rise negotiations.
Pension Calculator
Calculate pension contributions and tax relief. Model salary sacrifice vs net pay arrangements for maximum tax efficiency.
Student Loan Calculator
Calculate repayments for Plan 1, Plan 2, Plan 4, Plan 5, and Postgraduate loans. See when you'll pay off your student debt.
Bonus Tax Calculator
See how much tax you'll pay on bonuses and one-off payments. Understand why bonuses often appear to be taxed at higher rates.
Salary Sacrifice
Calculate savings from salary sacrifice schemes including childcare vouchers, cycle to work, and electric car schemes.
SupaCalc Pro
Advanced salary planning tools for professionals - Coming Soon
IR35 & Contractor Tools
Calculate inside vs outside IR35 scenarios. Compare limited company, umbrella, and PAYE options.
Dividend Calculator
Plan optimal salary and dividend mix for company directors. Calculate corporation tax and dividend tax.
Tax Year Planning
Model full tax year scenarios with variable income. Optimize pension contributions and Gift Aid.
PDF Reports
Generate professional salary breakdowns. Share with employers, mortgage lenders, or accountants.
Frequently Asked Questions
Common questions about UK salary calculations
Trusted by Thousands
See what UK employees say about SupaCalc
"Used this to compare two job offers. The side-by-side comparison showed me the higher salary actually meant less take-home due to the commute costs and pension differences."
Sarah Mitchell
Software Engineer, London
"Finally a calculator that handles Scottish tax rates correctly! I've tried others and they all gave wrong figures. This one matches my actual payslip perfectly."
James Chen
Financial Analyst, Edinburgh
"I use this for our HR team to quickly give candidates accurate salary expectations. The breakdown charts make it easy to explain deductions to new starters."
Emma Thompson
HR Manager, Birmingham