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🇬🇧United Kingdom

UK PAYE Tax Calculator

Calculate UK take-home pay after income tax, National Insurance, and student loan.

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Results

Gross Monthly£3,750
Income Tax (monthly)£503
National Insurance (monthly)£216
Student Loan (monthly)£0
Take-Home (monthly)£2,843

What is PAYE Tax?

Calculate UK take-home pay after Income Tax, National Insurance, student loan repayments, and pension contributions. The UK uses a progressive tax system: 20% basic, 40% higher, 45% additional rate.

Formula

Income Tax Bands (2025/26):
£0-£12,570: 0% (Personal Allowance)
£12,571-£50,270: 20%
£50,271-£125,140: 40%
Over £125,140: 45%

National Insurance: 8% on £12,570-£50,270, 2% above
Student Loan Plan 2: 9% over £27,295

How to use this UK PAYE Tax Calculator?

1. Enter annual salary. 2. Set pension contribution. 3. Select student loan plan if applicable. 4. See monthly take-home pay.

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Frequently asked questions

What is the personal allowance?
£12,570 tax-free for 2025/26. Reduces by £1 for every £2 earned above £100,000.
What about Scottish income tax?
Scotland has different rates: 19% starter, 20% basic, 21% intermediate, 42% higher, 47% top.
What is auto-enrolment pension?
Minimum 5% employee + 3% employer = 8% total. You can opt out but lose employer contributions.

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