💷 UK Take Home Pay 2025/26

See your after-tax salary for any income from £20,000 to £200,000 — income tax and National Insurance included

2025/26 HMRC Rates · Updated July 2026

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Basic rate salaries — up to £50,270
Higher rate salaries — £50,271 to £125,140
Additional rate salaries — over £125,140

Repaying a student loan?

Student loan repayments take 9% of income above your plan's threshold on top of tax and NI. See take-home pay with a Plan 2 loan for your salary:

£20,000£25,000£30,000£35,000£40,000£45,000£50,000£55,000£60,000£65,000£70,000£75,000£80,000£85,000£90,000£95,000£100,000£105,000£110,000£115,000£120,000£125,000£130,000£135,000£140,000£145,000£150,000£155,000£160,000£165,000£170,000£175,000£180,000£185,000£190,000£195,000£200,000

How UK income tax works in 2025/26

Personal allowance: The first £12,570 of your salary is tax-free. This tapers to zero for incomes over £125,140.

Basic rate (20%): On income from £12,571 to £50,270.

Higher rate (40%): On income from £50,271 to £125,140.

Additional rate (45%): On income over £125,140.

National Insurance: Employees pay 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270.

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Related Reading
How Long Will You Repay Your UK Student Loan?

Your salary directly affects when you clear — or write off — your student loan. We modelled Plan 1, 2, 4 and 5 outcomes across 500+ salary paths so you can see exactly where you stand.

Read the data story →

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