UK Salary Calculator — PAYE Net Pay by Region

Calculate your UK net take-home pay with a full PAYE breakdown: income tax by region (England/Wales/NI or Scotland), National Insurance, pension deductions, and all student loan repayment plans. Based on 2025/26 HMRC figures.

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What does the UK Salary Calculator do?

The UK Salary Calculator computes your net annual, monthly, and weekly take-home pay after all standard PAYE deductions. Enter your gross salary, select your region and personal circumstances, and get an itemised breakdown in seconds.

Core capabilities:

• 🏴󠁧󠁢󠁥󠁮󠁧󠁿🏴󠁧󠁢󠁳󠁣󠁴󠁿 Separate calculations for England/Wales/NI and Scotland — Scottish Parliament sets different income tax bands
• 🛡️ National Insurance Class 1 contributions with exact 2025/26 thresholds and rates
• 🎓 All student loan repayment plans: Plan 1, Plan 2, Plan 4, Plan 5, and Postgraduate Loan
• 💼 Pension contributions reduce taxable income (income tax only — not NI)
• 💍 Marriage Allowance — transfer or receive up to £1,260 of Personal Allowance
• 📉 Personal Allowance taper for salaries above £100,000 (£1 PA lost per £2 over threshold)
• 📊 Effective and marginal rate output for financial planning

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What does the UK Salary Calculator return?

Salary data	Deduction breakdown	Additional details
💷 Annual gross salary (£)	💰 Income tax (£)	📊 Effective total deduction rate (%)
🏴󠁧󠁢󠁥󠁮󠁧󠁿 Tax region	🛡️ National Insurance (£)	📈 Marginal income tax rate (%)
🏷️ Personal allowance used (£)	🎓 Student loan repayments (£)	🔍 Income tax by band (£)
📋 Taxable income (£)	💼 Pension deduction (£)	🔍 NI by band (£)
🏠 Annual net take-home (£)	—	📅 Tax year
📅 Monthly net take-home (£)	—	—
📅 Weekly net take-home (£)	—	—

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Does the UK Salary Calculator cover Scotland?

Yes. Scotland has its own income tax bands set by the Scottish Parliament, which differ from the rest of the UK. The UK Salary Calculator applies the correct bands for each region:

England, Wales & Northern Ireland (2025/26): Personal Allowance £12,570 → Basic rate 20% → Higher rate 40% → Additional rate 45%

Scotland (2025/26): Personal Allowance £12,570 → Starter rate 19% → Basic rate 20% → Intermediate rate 21% → Higher rate 42% → Advanced rate 45% → Top rate 48%

Select your region in the region field. National Insurance rates are the same across all UK regions.

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How does the UK Salary Calculator work?

The process:

1. Enter your annual gross salary in GBP and select your tax region
2. Your Personal Allowance is calculated — tapered if your salary exceeds £100,000 (£1 PA lost per £2 over £100k, fully withdrawn at £125,140)
3. Pension contributions are deducted from gross salary to establish taxable income (relief at source)
4. Income tax is applied band by band using your region's brackets
5. Marriage Allowance adjusts the Personal Allowance up or down by £1,260 if selected
6. National Insurance is calculated using Class 1 thresholds (Primary Threshold → Upper Earnings Limit)
7. Student loan repayments are calculated separately based on your plan's threshold and repayment rate
8. All deductions are summed and subtracted from gross to give net take-home

The UK Salary Calculator uses 2025/26 HMRC published rates for all calculations. It does not require any external API calls — it is a purely computational actor.

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Why use the UK Salary Calculator?

Feature	Online salary calculators	UK Salary Calculator
Scotland-specific bands	Often missing or incorrect	Full Scottish Parliament bands
Student loan plans	Usually Plan 2 only	All 5 plans + Postgraduate Loan
PA taper above £100k	Frequently omitted	Correctly applied
Pension contribution relief	Rarely handled	Reduces taxable income (not NI)
Marriage Allowance	Not supported	Both transfer and receive modes
Output format	Screen only	Structured dataset — JSON, CSV, Excel
Automation	Not possible	Schedule via Apify, query via API

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What can you do with PAYE breakdown data?

Salary negotiations: Know your exact take-home before accepting an offer. A £5,000 gross raise has a very different impact at £49,000 (basic rate) versus £51,000 (higher rate threshold).

Scottish vs. English job comparison: Evaluate whether a role in Edinburgh pays more net than the same gross in London, accounting for Scotland's higher income tax at middle incomes.

Student loan planning: Run the calculator with and without your loan plan to see the annual repayment cost and decide whether early repayment makes financial sense.

Pension contribution optimisation: Test different pension contribution percentages to find the net income trade-off versus tax savings — especially useful at the higher rate boundary.

Personal Allowance cliff planning: If your salary is between £100,000 and £125,140, increasing pension contributions can restore your Personal Allowance and significantly increase net pay.

Financial product teams: Feed accurate net pay figures into budgeting apps, mortgage affordability calculators, or ISA planning tools via the Apify API.

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How to use the UK Salary Calculator?

1. Create a free Apify account
2. Open the UK Salary Calculator actor page and click Try for free
3. Enter your annual gross salary in GBP
4. Select your tax region — England/Wales/NI or Scotland
5. Choose your student loan plan (or "None" if you don't have one)
6. Enter your pension contribution percentage if applicable
7. Toggle Marriage Allowance if relevant to your situation
8. Click Start — results appear in the dataset within seconds
9. Download as JSON, CSV, or Excel, or connect via the Apify API

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How much does the UK Salary Calculator cost?

The UK Salary Calculator runs on Apify's pay-per-event model. Each run is a single fast computation with no browser or proxy required — it costs a fraction of a cent.

New Apify accounts include a free tier that covers many hundreds of runs per month. See the Apify pricing page for current details.

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⬇️ Input

Field	Type	Default	Description
grossIncome	integer	45000	Annual gross salary in GBP
region	select	england_wales_ni	England/Wales/NI or Scotland
studentLoanPlan	select	none	None, Plan 1, Plan 2, Plan 4, Plan 5, or Postgraduate
pensionContribution	number	0	Employee pension contribution as % of gross
marriageAllowance	boolean	false	Transfer £1,260 of your PA to your spouse
isMarriageAllowanceReceiver	boolean	false	Your PA is increased by £1,260 from your spouse

Example — standard employed, England, Plan 2 student loan, 5% pension:

{
  "grossIncome": 55000,
  "region": "england_wales_ni",
  "studentLoanPlan": "plan2",
  "pensionContribution": 5
}

Example — Scotland, no student loan, no pension:

{
  "grossIncome": 55000,
  "region": "scotland",
  "studentLoanPlan": "none",
  "pensionContribution": 0
}

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⬆️ Output

Results are pushed to the Apify dataset as a single row per run.

Example output — £55,000 gross, England, Plan 2, 5% pension:

{
  "grossAnnual": 55000,
  "region": "england_wales_ni",
  "personalAllowance": 12570,
  "taxableIncome": 39680,
  "incomeTax": 9736,
  "nationalInsurance": 3757,
  "studentLoan": 2430,
  "pensionDeduction": 2750,
  "netAnnual": 36327,
  "netMonthly": 3027,
  "netWeekly": 699,
  "effectiveRate": 33.9,
  "marginalRate": 40.0,
  "incomeTaxBreakdown": {
    "basicRate": 5486,
    "higherRate": 4250,
    "additionalRate": 0
  },
  "niBreakdown": {
    "main": 3757,
    "additional": 0
  },
  "taxYear": "2025/26"
}

Export formats: JSON, CSV, Excel (XLSX), XML. Connect to Google Sheets, Zapier, n8n, or Make from the Apify platform.

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Are there other salary calculators in the Apify Store?

The UK Salary Calculator is part of a global salary comparison suite:

• 🇪🇺 EU Salary Calculator — Net pay across all 27 EU member states with 2026 tax data
• 🇺🇸🇨🇦 US & Canada Salary Calculator — Federal + all 50 US states and Canadian provinces, FICA, CPP/EI (2026 IRS/CRA)

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Frequently asked questions

Which tax year does the UK Salary Calculator use? The UK Salary Calculator uses 2025/26 HMRC rates — the current tax year running from 6 April 2025 to 5 April 2026. This includes the Scottish Parliament's 2025/26 bands, the 2025/26 NI thresholds, and all student loan plan thresholds as published by the Student Loans Company.

What is the difference between Scotland and England/Wales/NI tax bands? Scotland has six income tax bands compared to three for the rest of the UK. At middle incomes (roughly £43,000–£75,000), Scottish taxpayers pay a higher rate due to the 42% higher rate band starting earlier. At very high incomes (above £125,140), rates converge. Select your actual region for an accurate result.

Which student loan plans are supported? All six plans: Plan 1 (pre-September 2012 starters, England/Wales/NI), Plan 2 (September 2012 – July 2023, England/Wales), Plan 4 (Scotland, any start date), Plan 5 (from August 2023, England/Wales), Postgraduate Loan (master's and doctoral), and None. You can only hold one standard plan at a time, but you can hold a Postgraduate Loan alongside a Plan 2 or Plan 3.

How does pension contribution affect tax? Pension contributions reduce your taxable income for income tax purposes but do not reduce your National Insurance contributions. A £3,000 pension contribution on a £50,000 salary saves £600 in income tax (basic rate) but has no effect on NI. The UK Salary Calculator correctly reflects this split.

What happens to the Personal Allowance above £100,000? For every £2 of income above £100,000, you lose £1 of your £12,570 Personal Allowance. Between £100,000 and £125,140, your effective marginal rate is 60% (40% income tax + 20% lost PA). Above £125,140, the PA is fully withdrawn. The UK Salary Calculator applies this taper automatically.

Can the calculator handle multiple jobs or variable income? The UK Salary Calculator is designed for a single employment income. It does not handle multiple income sources, dividend income, rental income, capital gains, or self-assessment scenarios. For those cases, use HMRC's official self-assessment tools.

Can I use the UK Salary Calculator via the Apify API? Yes. Send a POST request to the actor's API endpoint with your input JSON and retrieve the result from the output dataset. Full API documentation is on the actor's API tab. Use your Apify API token for authentication.

Can I use the UK Salary Calculator through an MCP server? Yes. Connect any MCP-compatible AI assistant to the Apify MCP server and this actor becomes an available tool. Ask your AI to calculate your UK take-home pay directly in your chat interface.

Is this calculator approved by HMRC? No. The UK Salary Calculator is an independent tool based on publicly available HMRC rate tables. It produces close approximations suitable for planning and comparison. For official tax calculations, use HMRC's own tools or consult a qualified accountant.

Is the data returned by the UK Salary Calculator accurate? The calculations follow published 2025/26 HMRC rates and thresholds. Results are accurate for standard PAYE employment with the inputs provided. They do not account for HMRC coding adjustments, underpaid tax from prior years, benefits-in-kind, or non-standard tax codes.

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Your feedback

Found a rate error or want a new feature like employer NI or contractor calculations? Open an issue on the actor's page.