UK 2024/25 Bands
Salary Calculator
Convert a gross annual salary into take-home pay after income tax, National Insurance and pension contributions.
paymentsPay Setup
Salary-sacrifice equivalent — reduces taxable pay.
Standard 1257L tax code. England, Wales and Northern Ireland bands. No student loan.
account_balance_walletYour Take-home
Annual Take-home
£34,299.60
76.2% of gross
Per Month
£2,858.30
Per Week
£659.61
Per Day
£131.92
Income Tax£6,036.00
National Insurance£2,414.40
Pension Contribution£2,250.00
Total Deductions£10,700.40
edit_note
Enter Salary
Use your headline annual salary before any deductions.
savings
Set Pension
Enter the percentage of pay going into your pension.
trending_up
Plan Ahead
Use the monthly figure for budgeting and long-term plans.
Common Questions
Is Scottish income tax supported?expand_more
This calculator currently uses England, Wales and Northern Ireland bands. Scottish residents pay income tax on a different scale (Starter 19%, Basic 20%, Intermediate 21%, Higher 42%, Advanced 45%, Top 48%) — your take-home will be slightly different. National Insurance, however, is a UK-wide tax and unaffected by where you live.
Why does pension reduce my taxable pay?expand_more
Salary sacrifice and net-pay pension schemes deduct contributions from gross pay before tax and NI are calculated, so you save your marginal rate (20%, 40% or 45%) plus 8% NI on every pound contributed. For a higher-rate taxpayer, putting £100 into a sacrifice pension only costs about £52 of take-home pay.
What happens when I cross £100,000?expand_more
Your personal allowance starts tapering — you lose £1 for every £2 earned above £100,000, fully gone by £125,140. This creates an effective marginal tax rate of 60% in that band. Many earners use pension contributions or salary sacrifice to bring earnings back under £100,000 and reclaim the allowance.
How are bonuses and overtime taxed?expand_more
They're taxed at your marginal rate when received. PAYE's cumulative system usually balances this out across the year, but a one-off bonus can briefly push you into a higher band on that pay slip. If too much was deducted, you'll get it back automatically over later months as the cumulative calculation evens out.
What's the real value of benefits like a company car?expand_more
Benefits in kind (BIK) are taxed via your tax code — HMRC reduces your personal allowance by the cash-equivalent value, so you pay tax monthly. Electric and low-emission cars have BIK rates as low as 2%, making them dramatically cheaper than petrol equivalents. Always compare BIK tax cost vs. private car running costs before accepting.