Salary Calculator
UK take-home pay after income tax, National Insurance, pension and student loan (2025/26). US Federal tax and FICA (2024). Annual, monthly, weekly and hourly breakdown.
Select your country
How the Salary Calculator Works
Full tax calculations — not estimates. The same methodology HMRC and the IRS use.
Enter your gross salary
Enter the salary before tax — the figure in your employment contract. Toggle between annual and monthly input.
Add pension & student loan (UK)
Select your pension contribution % (salary sacrifice reduces income tax and NI) and student loan plan if applicable.
Income tax calculated by band
Tax bands are applied progressively — only income in each bracket is taxed at that rate. You never pay the higher rate on your full salary.
Full breakdown shown
Annual, monthly, weekly and hourly take-home pay displayed with every deduction itemised. Effective tax rate calculated automatically.
Frequently Asked Questions
How is UK income tax calculated in 2025/26?
UK income tax uses progressive bands. The first £12,570 is tax-free (Personal Allowance). You pay 20% on income between £12,571 and £50,270 (Basic Rate), 40% on income between £50,271 and £125,140 (Higher Rate), and 45% above £125,140 (Additional Rate). If you earn above £100,000, the Personal Allowance tapers — creating an effective 60% marginal rate between £100,000 and £125,140.
What is National Insurance and how is it calculated?
National Insurance (NI) is a UK social security contribution. For 2025/26, employees pay 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270. NI is separate from income tax and stacks on top of it — meaning a basic-rate UK earner has a combined 28% marginal rate on most of their income.
How does pension salary sacrifice affect my take-home pay?
Salary sacrifice reduces your gross salary before income tax and National Insurance are calculated. A 5% pension contribution on a £40,000 salary reduces your pensionable gross to £38,000 — saving you roughly £480 in NI and income tax combined. This is why salary sacrifice pensions are more tax-efficient than personal pensions.
How is UK student loan repayment calculated?
Student loan repayments are 9% of earnings above your plan threshold — not a percentage of your whole salary. Plan 1 (pre-2012 starters): 9% above £24,990. Plan 2 (post-2012): 9% above £27,295. Plan 4 (Scotland): 9% above £31,395. On a £40,000 salary with Plan 2, you repay £1,143 per year (9% of £40,000 - £27,295 = £12,705).
What is the difference between gross and net salary?
Gross salary is your full salary before any deductions — the number in your employment contract. Net salary (take-home pay) is what you actually receive after income tax, National Insurance, pension contributions, and student loan. The gap between gross and net widens significantly at higher income levels due to higher tax rates.
How does the US standard deduction work?
The US federal standard deduction reduces your taxable income before calculating tax. For 2024, it is $14,600 for single filers and $29,200 for married filing jointly. You only pay federal income tax on income above this threshold. State income tax is not included in this calculator.
Why is my effective tax rate lower than my marginal rate?
Your marginal rate is the rate on your last pound or dollar of income. Your effective rate is the average across your total income. A UK earner on £60,000 has a 40% marginal rate but an effective rate closer to 27% because the first £12,570 is tax-free and the next £37,700 is taxed at only 20%.
What is the best free UK salary calculator?
ToolStack's salary calculator provides full UK PAYE 2025/26 calculations with income tax, National Insurance, pension salary sacrifice, and student loan deductions — shown per month and per year. It also covers US Federal tax with FICA. No signup, no data stored, fully free.
UK & US Salary Calculator — Free Online Tool
Job offers come in different formats — and the number on the offer letter is never the number in your account. This salary calculator shows your exact UK take-home pay for 2025/26 after income tax, National Insurance, pension salary sacrifice, and student loan repayments. It also covers US Federal take-home pay including FICA.
For UK users, pension salary sacrifice is one of the most effective ways to reduce your tax bill — it reduces both income tax and National Insurance. The calculator lets you model different contribution percentages (3%–10%) so you can see the real impact on your monthly pay before committing. Student loan repayments are also included for Plan 1, Plan 2 and Plan 4 (Scotland).
Results show your take-home pay broken down annually, monthly, weekly and hourly — making it easy to compare a salaried role with a day rate or freelance contract. No signup required, no data stored, fully free.
More Free Tools
61 tools live — all free, no signup, instant results.
AI Prompt Generator
Generate expert prompts for ChatGPT, Claude, Gemini & more using RISEN, STAR, Chain-of-Thought and 4 other frameworks.
Word Counter & Readability
Instant word count, character count, readability score, reading time, keyword density and AI grammar fixer.
Meta Description Generator
Generate SEO-optimised meta descriptions for any page. Character counter included. GPT-4o powered.
Email Subject Line Tester
Score your email subject lines for open rate potential, spam triggers and emotional power words.
Hashtag Generator
Generate targeted hashtags for Instagram, TikTok, LinkedIn, YouTube & X. AI-powered 3-tier mix: popular, growing and niche hashtags.
Blog Title Generator
Generate 10 click-worthy blog titles from any topic. SEO, listicles, how-tos, curiosity hooks and more. GPT-4o powered.
Password Generator
Cryptographically secure random passwords. Custom length, symbols, numbers. Runs entirely in your browser.
Password Breach Checker
Check if your password was exposed in a data breach. K-anonymity keeps your password 100% private — never sent to any server.
QR Code Generator
Generate QR codes for URLs, WiFi, email, phone and text. Free PNG & SVG download. No signup, no expiry, 100% private.
VAT Calculator
Add or remove VAT instantly for 40+ countries. UK, EU, UAE, Australia and more. Standard and reduced rates. Invoice calculator included.
Invoice Generator
Create professional invoices in seconds. Add line items, VAT, discounts and download as PDF. Free, no signup, no watermark.
Code Diff Checker
Compare two JSON or code files side-by-side with an IDE-grade visual diff editor. Instantly spot additions, deletions, and modifications.
JWT Decoder
Decode any JSON Web Token instantly. View header, payload, and all claims. Check expiry, issuer, and subject. 100% client-side — token never leaves your browser.
Website Down Checker
Check if any website is down or just you. See HTTP status code, response time, and server availability instantly. No signup required.
PDF Generator
Type or paste your text, customise fonts and page size, then download as a clean PDF instantly. No signup, no watermarks, 100% private.
IP Address Lookup
Find your public IP address, location, ISP, timezone and hostname instantly. Also look up any IP address for geolocation data.
SSL Certificate Checker
Check any website's SSL certificate. See if it's valid, days until expiry, the issuer, and which domains are covered. Instant, free.
WHOIS Domain Lookup
Look up domain registration date, expiry, registrar and nameservers for any domain. See who owns a domain instantly.
UUID Generator
Generate UUID v4, v1, v5, ULID and NanoID in bulk. Uppercase, no-hyphens and braces formatting. Copy all or download as .txt — 100% client-side.
YouTube Thumbnail Downloader
Download any YouTube video thumbnail in all 5 resolutions instantly — Max, SD, HQ, MQ and Default. Free, no signup.
Online Stopwatch
Stopwatch with lap times and countdown timer. Accurate to the centisecond. Space to start, L to lap, R to reset.
Compound Interest Calculator
See how your money grows with compounding. Add monthly contributions and get a year-by-year breakdown of your investment.
JSON Formatter
Format, validate and beautify JSON instantly. Syntax highlighting, error detection with line numbers, minify mode. 100% private.
Paraphrasing Tool
Rewrite any text with AI. 6 modes: Standard, Fluency, Formal, Academic, Creative and Shorten. GPT-4o powered, no word limit, no signup.
Grammar Checker
Check and fix grammar, spelling and punctuation with AI. Get corrected text plus explanations for every fix. GPT-4o powered, no word limit.
Text Summarizer
Summarise any text with AI. 4 modes: paragraph, bullet points, key takeaways and executive summary. GPT-4o powered, no word limit, no signup.
Case Converter
Convert text to UPPERCASE, lowercase, Title Case, Sentence case, camelCase, snake_case, PascalCase, kebab-case and more. 10 modes, instant, free.
Lorem Ipsum Generator
Generate Lorem Ipsum placeholder text instantly. Paragraphs, sentences, words or list items. HTML output included. Free, no signup, unlimited.
Cover Letter Generator
Generate a professional AI cover letter in seconds. 4 tone modes: Professional, Enthusiastic, Concise and Creative. GPT-4o powered, unlimited, no signup.
Character Counter
Count characters, words, sentences and paragraphs in real time. Live progress bars for Twitter, Instagram, LinkedIn, YouTube, TikTok and SMS limits.
Business Name Generator
AI brand architect mode — generate premium names with GoDaddy & TM checks.
YouTube SEO Elite
Generate high-ranking tags & description hooks with AI.
Email Signature Generator
Create professional HTML email signatures for Gmail, Outlook & Apple Mail. 4 templates, custom colours, social links. Free, no signup.
CSS Gradient Generator
Create beautiful CSS gradients with a visual editor. Linear, radial and conic with 12+ curated presets. Copy CSS instantly.
AI Color Palette Generator
Describe your brand in words and get a professional 5-color palette with hex codes, CSS variables and Tailwind config instantly.
Colour Contrast Checker
Check your colour combinations against WCAG guidelines for AA and AAA compliance.
Favicon Generator
Generate perfect favicons from text or emoji in all standard sizes including Apple Touch constraints.
Base64 Converter
Instantly encode text to Base64 or decode Base64 strings back to text securely in your browser.
UTM Builder
Generate tracking links for your campaigns to monitor traffic perfectly in Google Analytics.
Markdown Editor
Instantly render Markdown syntax into clean, standard HTML code with real-time visual previews.
Regex Tester
Test, build, and debug Regular Expressions with real-time semantic highlighting and exact indexing.
SQL Formatter
Beautify raw, minified database queries into perfectly indented, readable syntax.
Epoch Converter
Instantly translate Unix epoch integers into formatted dates across timezones.
Tip Calculator
Calculate tips and split bills instantly. Tipping customs for 20+ countries, service quality presets, and per-person amounts.
Mortgage Calculator
Monthly payments, total interest, and full amortisation schedule. Repayment and interest-only mortgages. 15 currencies.
Percentage Calculator
Six calculators in one: find a percentage, increase/decrease, percentage change, and percentage difference.
Age Calculator
Calculate your exact age in years, months, days and hours. Zodiac sign, generation, days until your next birthday.
Card Grading Profit Calculator
Is grading your card worth it? Calculate profit, ROI and compare PSA, BGS, SGC and CSG fees side by side.
Grading Company Comparison
PSA vs BGS vs SGC vs CGC — compare fees, turnaround times and resale value side-by-side. Personalised recommendation included.
Card Flip ROI Calculator
Calculate exact profit after eBay fees, shipping and costs on any card flip. Multi-platform comparison and break-even calculator built in.
Card Box Break Calculator
Price your break spots to cover box cost, platform fees and shipping. See profit at 50%, 75% and 100% fill rates. Whatnot and eBay fees built in.
eBay Best Offer Calculator
Calculate your break-even offer and get an Accept, Counter or Decline recommendation for any eBay Best Offer. Full profit breakdown at every price level.
Whatnot Seller Fee Calculator
Calculate Whatnot commission and payment processing fees by category. See net payout and compare vs eBay.
Panini Sticker Calculator
How many packs to complete any Panini album? World Cup 2026, Premier League, Champions League. See swap savings in GBP, USD and EUR.
Pack Break EV Calculator
Calculate expected value for any box break. Pokémon, sports cards, football cards. EV per pack, net profit after eBay/Whatnot fees, bear/base/bull scenarios.
UCL Final 2026 Accumulator
PSG vs Arsenal Champions League final acca calculator. Combined return and implied probability live.
WC 2026 Accumulator Calculator
Build your World Cup acca in seconds. Decimal, fractional or American odds across 2–8 selections. Combined return and implied probability instantly.
World Cup 2026 Team Finder
Which World Cup 2026 team should you support? Answer 5 questions and get matched to one of 24 nations with a full team profile.
YouTube Transcript Extractor
Extract any YouTube video transcript instantly as clean Markdown. Toggle timestamps. Download as .md. No login, no limits.
Credit Card Rewards Optimiser
Enter your monthly spend and see which card earns you the most. Compares 10 top cards — Chase, Amex, Capital One. Shows the exact dollar gap you're missing.
Pokémon TCG Pocket Pull Calculator
Calculate your odds of pulling Crown Rares, God Packs, Immersive Rares and more. Based on official Pokémon TCG Pocket in-game pull rates.