UK Take‑Home Pay — Instant, Beautiful, Private
Calculate your net pay for PAYE or Self‑Employed. Uses 2024/25 rates (updateable). Runs entirely in your browser.
Annual amount before tax.
Reduces taxable pay (assumes relief at source).
Deducted from income before tax/NI.
Optional flat weekly amount if you choose to pay it.
Your Results
Breakdown of Income Tax, NI, Student Loan, Pension and Net Pay.
Disclaimer: This tool is for guidance only. It uses publicly available 2024/25 UK rates and assumptions listed below. Always check HMRC for definitive rules. Update rates in the code for 2025/26 when confirmed.
Assumptions (editable in code)
- Income Tax (England/Wales 2024/25): Personal Allowance £12,570 (tapered £1 lost per £2 over £100,000), 20% basic up to £37,700 taxable, 40% to £125,140, 45% above. (Scottish bands not included here.)
- NI (PAYE 2024/25): Employee Class 1 ~8% on £12,570–£50,270 and 2% above. (Set in code; adjust if rates change.)
- NI (Self‑Employed 2024/25): Class 4 ~6% on £12,570–£50,270 and 2% above. Class 2 optional input as flat weekly amount.
- Student Loans: 9% above plan threshold (Plan1/2/4/5), Postgrad 6%. Thresholds set in code.
- Pension: Percentage of gross (relief‑at‑source assumed).
You can extend for Scottish rates, salary sacrifice, childcare vouchers, benefits‑in‑kind, etc.
FAQ
Does this store or upload my data?
No. Everything runs in your browser; nothing is sent anywhere.
Is Scotland supported?
Not yet. Add Scottish bands easily in taxBands if you want to support them.