Advanced Salary Calculator

Get a comprehensive breakdown of your salary, including pensions, bonuses, and more.

Enter Your Details

All calculations are based on the 2025/2026 tax year for United Kingdom.

Here's the breakdown

United Kingdom Income Tax at a Glance

Here are the income tax rates and bands for England, Wales, and Northern Ireland for the 2025/2026 tax year.

Personal Allowance

Up to £12,570

Basic Rate

£12,571 to £50,270

20%

Higher Rate

£50,271 to £125,140

40%

Additional Rate

Over £125,140

45%

Note: Your Personal Allowance may be reduced if your income is over £100,000. Tax bands in Scotland are different.

For official information, please refer to the official government website.

How to Use the Advanced Calculator

Understanding the inputs will help you get the most accurate picture of your earnings.

Gross Annual Salary

This is your total yearly salary before any deductions are made. Don't include your bonus here – there's a separate field for that! Just enter the main salary figure your employer pays you.

Tax Code

Most people have the tax code '1257L'. It simply tells your employer how much tax-free income you get in a year (£12,570). If you have a different code, you can find it on your payslip. If you're unsure, leaving it as 1257L is usually the right choice.

Bonus / Commission

If you receive any one-off payments on top of your regular salary, like an annual bonus or sales commission, enter the total amount here. We'll add it to your salary to work out the correct tax and National Insurance.

Student Loan Plan

If you're paying back a student loan, select the right plan to get an accurate calculation. You can find your plan type on your loan statement from the Student Loans Company or by logging into your online account. Here's a quick guide:

Plan 1: Usually if you're from England or Wales and started your course before 1 September 2012.
Plan 2: Usually if you're from England or Wales and started your course between 1 September 2012 and 31 July 2023.
Plan 4: For students from Scotland.
Plan 5: Usually if you're from England and started your course on or after 1 August 2023.
Postgraduate Loan: If you took out a separate loan for a Master's or Doctoral degree.

Pension Contributions

This is how much you're putting into your workplace pension. You can enter it as a percentage (%) of your salary or a fixed amount (£).

Standard vs. Sacrifice:

Standard: Your contribution is taken from your pay after it's been calculated for National Insurance, but before Income Tax. This saves you money on tax.
Sacrifice: You agree to get a lower salary, and in return, your employer pays that "sacrificed" amount into your pension. This is great because it lowers your official salary, so you save on both Income Tax AND National Insurance. It's a win-win if your company offers it!