BahiKhata
Log in

UK Take-home Pay · 2025-26

UK Take-home Pay Calculator 2025-26

How much will you actually take home? Type your gross salary, see PAYE, employee NI and your real net — broken down the way a CA would write it on the back of an envelope.

Numbers update on submit · URL captures every input · share the result

Related calculators

Salary vs Dividend

Director extracting cash from a Ltd? Find the optimal split.

Self-Assessment

Sole trader profit + dividend + rental + savings → SA bill.

Mileage

45p first 10,000 miles, 25p after — the HMRC tax-free claim.

Common questions

Does this account for student loans or pension?
Not yet — this is the headline take-home calculator (PAYE + NI). Pension salary-sacrifice and student-loan plans are on the BahiKhata roadmap; today the calc gives you the unencumbered figure HMRC expects on a standard 1257L tax code.
Why is my employer NI shown if it doesn't come out of my pay?
Because it's the real cost of employing you — it's deducted from the company, not your payslip. Directors who control their own Ltd care about this number; PAYE-only employees can ignore it.
What tax code should I use?
The default 1257L applies to most people with one job and the full personal allowance. If you have a K code, BR, or a number that's not 1257, change the tax code field — the maths follows your code exactly.
Are the rates 2025-26?
Yes. Personal allowance £12,570, basic rate band to £50,270 at 20%, higher rate to £125,140 at 40%, additional rate 45% beyond. Personal allowance tapers £1 for every £2 above £100,000.