UK PAYE Tax Calculator
Estimate UK PAYE income tax, National Insurance, and take-home pay.
- Last reviewed
- July 8, 2026
- Cost
- Free to use
- Data
- Runs in your browser
Income Tax
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National Insurance
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Estimated Take-Home
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Methodology
How this calculator handles inputs
This calculator uses the values you enter above and applies the formula explained in the guide below. Results update in the browser and are intended for quick planning, comparison, and sanity-checking.
- Use consistent periods, currencies, and units across inputs.
- Review any assumptions before using the result in a decision.
- Recalculate when rates, prices, tax rules, or business terms change.
Important note
This tool provides general planning information only. It is not tax, legal, financial, accounting, or investment advice. Check the current rules for your location and speak with a qualified professional before making a high-stakes decision.
Guide
How it works
Use this calculator to estimate UK PAYE tax and take-home pay from employment income.
What this calculator does
The UK PAYE tax calculator estimates income tax, employee National Insurance, and take-home pay for employment income.
It uses:
- gross annual salary
- tax code or personal allowance assumptions
- income tax bands
- National Insurance assumptions
- pension contribution assumptions, if included
This gives you an estimated annual and monthly take-home pay figure.
UK PAYE Formula
Take-Home Pay = Gross Pay - Income Tax - Employee NI - Pension Contributions
Where:
- Income tax is applied across UK tax bands after available allowance
- Employee NI is calculated separately from income tax
- Pension contributions reduce take-home pay and may affect taxable pay depending on scheme type
Example calculation
If gross salary is 45,000, the calculator estimates tax after allowance, applies National Insurance, then subtracts any pension contribution assumptions.
The result is an estimate of annual take-home pay and a monthly equivalent for budgeting.
When to use this calculator
Use this calculator when you want to:
- estimate take-home pay from a UK salary
- compare job offers with different gross salaries
- check the impact of pension contributions
- understand the difference between income tax and National Insurance
For contractor status questions, use the IR35 Status Calculator.
FAQs
Is PAYE the same as income tax?
PAYE is the system employers use to deduct income tax and National Insurance from wages before paying employees.
Why can take-home pay differ from this estimate?
Actual pay can differ because of tax codes, benefits, student loans, pension scheme type, salary sacrifice, bonuses, and prior income in the tax year.
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