Salary & Tax Calculator — United Kingdom 🇬🇧
Estimate your real take-home pay in United Kingdom. We model income tax brackets, National Insurance (Class 1), and the personal allowance to show what actually lands in your account in GBP. Effective rate — total tax divided by gross — is what matters most for budgeting, not the headline marginal rate.
PAYE income tax + Class 1 National Insurance (simplified).
Popular salaries in United Kingdom
Pre-calculated breakdowns for common gross salaries.
How tax works in United Kingdom
Europe · GBP
The UK runs a three-band PAYE income tax with a generous £12,570 personal allowance, alongside Class 1 National Insurance contributions of 8% on earnings between the primary threshold and the upper limit, then 2% above. Scotland uses different bands. The personal allowance tapers above £100,000, creating a 60% effective marginal rate in that range.
Gross vs. net pay in United Kingdom
The total figure on your contract — before any tax or social deductions. In United Kingdom this is typically quoted in GBP per year, though monthly quotes are common for white-collar roles.
What lands in your bank account after income tax and National Insurance (Class 1). Most workers in United Kingdom keep 77% of a £65,000 gross.
Visible on your payslip: income tax (progressive brackets) and National Insurance (Class 1) at 8.0%. These are what this calculator models.
Paid on top of your gross — pension contributions, employer social security, accident insurance. They raise the total cost of employment but do not reduce your net pay.
United Kingdom vs. similar countries
Same £65,000 gross compared across regional peers. Numbers only — purchasing power varies.
| Country | Net / year | Net / month | Effective |
|---|---|---|---|
| 🇬🇧 United Kingdom | £50,060 | £4,172 | 23.0% |
| 🇩🇪 Germany | 37.294 € | 3.108 € | 42.6% |
| 🇫🇷 France | 40 060 € | 3 338 € | 38.4% |
| 🇳🇱 Netherlands | € 30.398 | € 2.533 | 53.2% |
| 🇪🇸 Spain | 43.110 € | 3592 € | 33.7% |
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Frequently asked
Last updated: 2026. PAYE income tax + Class 1 National Insurance (simplified).