HMRC PAYE 2024/25
PAYE Calculator
Calculate Pay-As-You-Earn income tax and employee National Insurance for any pay period.
account_balancePAYE Inputs
Standard 1257L tax code. England/Wales/NI bands, no student loan.
receipt_longPAYE Result
Net Pay this month
£2,993.30
Income Tax (this period)£540.50
National Insurance (this period)£216.20
Annualised Gross£45,000.00
Annualised Net£35,919.60
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Pick a Period
Annual, monthly or weekly — useful for payslip checks or HR planning.
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Enter Gross
Type the gross figure for the selected pay period.
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Verify Payslips
Cross-check your payslip's tax and NI figures match.
Common Questions
What does my tax code actually mean?expand_more
1257L is the default code for 2024/25 — it gives you the full £12,570 personal allowance. Other common codes: BR taxes everything at 20% (typical for a second job), D0 at 40%, D1 at 45%, NT means no tax, and a K-prefix means you have negative allowance (often from owing tax from a previous year or having taxable benefits like a company car). If your code looks wrong, check your Personal Tax Account on gov.uk.
How does National Insurance differ from income tax?expand_more
NI is a separate deduction with its own thresholds and bands, and unlike income tax it doesn't roll up annually for most employees — each pay period is calculated independently. The main employee rate is 8% on earnings between £12,570 and £50,270, then 2% above. You stop paying NI once you reach State Pension age, even if you keep working.
Are my weekly or monthly figures pro-rated?expand_more
Yes. We annualise the gross, apply the bands once, then divide the tax back into the period. This matches HMRC's cumulative PAYE method, which smooths out tax across the year so a one-off bonus doesn't push you into a higher bracket permanently.
How do pension contributions reduce my tax?expand_more
Salary-sacrifice and net-pay schemes lower the gross figure subject to both income tax and NI, so the saving is roughly your marginal rate (20%–47%) plus 8% NI. Relief-at-source schemes (most personal pensions) only get 20% basic-rate relief automatically — higher-rate taxpayers must claim the rest via Self Assessment.
What if I have a student loan?expand_more
Plan 1, Plan 2, Plan 4, Plan 5, and Postgraduate loans each have different thresholds and deduct 9% (or 6% for postgrad) of earnings above them. Student loan repayments come out after tax and NI, but they're calculated on gross pay, not take-home. This calculator focuses on tax/NI — add your loan deduction separately for a true net figure.