💷UK Salary Calculator
Calculate your UK take-home pay with income tax, National Insurance, pension, and student loan deductions. Includes NHS and Teachers' pay scales with London weighting
Your Salary Information
Auto-enrolment minimum is 8% total (5% employee + 3% employer)
Standard tax code for 2024/25 is 1257L
Understanding UK Taxes
💷 Income Tax Bands
Personal allowance: £12,570. Basic rate (20%): £12,571-£50,270. Higher rate (40%): £50,271-£125,140. Additional rate (45%): over £125,140.
📊 National Insurance
You pay 8% on earnings between £12,570 and £50,270, and 2% above £50,270 (2024/25 rates).
🎓 Student Loans
Repayments start when you earn above the threshold (9% of income above threshold). Thresholds vary by plan.
🏥 NHS Pension
Tiered contribution rates from 5.2% to 14.7% based on pensionable pay. One of the best defined benefit pension schemes in the UK with employer contributions of 20.6%-23.7%.
👩🏫 Teachers' Pension
Tiered contribution rates from 7.4% to 11.7% based on salary. Employer contributes 28.68%. One of the most generous pension schemes available.