UK Wage Calculator (2024/2025 Tax Year)
Use this calculator to estimate your take-home pay in the UK after deductions for Income Tax, National Insurance, Pension, and Student Loans for the 2024/2025 tax year.
Your Estimated Pay Breakdown
Gross Annual Pay: £0.00
Gross Monthly Pay: £0.00
Gross Weekly Pay: £0.00
Annual Income Tax: £0.00
Annual National Insurance: £0.00
Annual Pension Deduction: £0.00
Annual Student Loan Deduction: £0.00
Net Annual Pay: £0.00
Net Monthly Pay: £0.00
Net Weekly Pay: £0.00
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margin: 20px auto;
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.calculator-inputs select {
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padding: 10px;
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transition: background-color 0.3s ease;
margin-top: 20px;
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.calculator-inputs button:hover {
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hr {
border: none;
border-top: 1px solid #eee;
margin: 20px 0;
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function toggleHoursPerWeek() {
var payFrequency = document.getElementById("payFrequency").value;
var hoursContainer = document.getElementById("hoursPerWeekContainer");
if (payFrequency === "hourly" || payFrequency === "weekly") {
hoursContainer.style.display = "block";
} else {
hoursContainer.style.display = "none";
}
}
function calculateWage() {
var grossPayInput = parseFloat(document.getElementById("grossPayInput").value);
var payFrequency = document.getElementById("payFrequency").value;
var hoursPerWeek = parseFloat(document.getElementById("hoursPerWeek").value);
var taxCode = document.getElementById("taxCode").value.toUpperCase();
var pensionContributionPercent = parseFloat(document.getElementById("pensionContribution").value);
var studentLoanPlan = document.getElementById("studentLoanPlan").value;
var postgraduateLoan = document.getElementById("postgraduateLoan").value;
// Input validation
if (isNaN(grossPayInput) || grossPayInput < 0) {
alert("Please enter a valid positive number for Gross Pay.");
return;
}
if ((payFrequency === "hourly" || payFrequency === "weekly") && (isNaN(hoursPerWeek) || hoursPerWeek <= 0)) {
alert("Please enter a valid positive number for Hours per Week.");
return;
}
if (isNaN(pensionContributionPercent) || pensionContributionPercent 100) {
alert("Please enter a valid pension contribution percentage between 0 and 100.");
return;
}
var annualGrossPay = 0;
if (payFrequency === "annual") {
annualGrossPay = grossPayInput;
} else if (payFrequency === "monthly") {
annualGrossPay = grossPayInput * 12;
} else if (payFrequency === "weekly") {
annualGrossPay = grossPayInput * 52;
} else if (payFrequency === "hourly") {
annualGrossPay = grossPayInput * hoursPerWeek * 52;
}
// Tax Year 2024/2025 UK Rates (England, Wales, NI)
var personalAllowance = 12570; // Standard 1257L tax code
// Simplified tax code handling: if it's a K code, personal allowance is effectively negative, but for this calculator, we'll stick to L codes.
// If tax code is not 1257L but ends in L, we could parse it, but for simplicity, we'll assume 1257L for the calculation.
// If income exceeds £125,140, personal allowance is tapered by £1 for every £2 earned over £100,000.
if (annualGrossPay > 125140) {
var taperedAllowance = personalAllowance – ((annualGrossPay – 100000) / 2);
personalAllowance = Math.max(0, taperedAllowance);
}
var annualPensionDeduction = annualGrossPay * (pensionContributionPercent / 100);
var taxableIncome = annualGrossPay – annualPensionDeduction; // Pension is usually pre-tax
// Income Tax Calculation
var annualIncomeTax = 0;
var incomeAfterPA = Math.max(0, taxableIncome – personalAllowance);
if (incomeAfterPA > 50270) { // Higher rate
annualIncomeTax += (incomeAfterPA – 50270) * 0.40;
incomeAfterPA = 50270;
}
if (incomeAfterPA > 0) { // Basic rate
annualIncomeTax += incomeAfterPA * 0.20;
}
// National Insurance Calculation (Category A)
var annualNationalInsurance = 0;
var niableIncome = annualGrossPay – annualPensionDeduction; // NI is also usually pre-pension
var niThresholdLower = 12570; // Annual Primary Threshold
var niThresholdUpper = 50270; // Annual Upper Earnings Limit
if (niableIncome > niThresholdUpper) {
annualNationalInsurance += (niableIncome – niThresholdUpper) * 0.02; // 2% above UEL
niableIncome = niThresholdUpper;
}
if (niableIncome > niThresholdLower) {
annualNationalInsurance += (niableIncome – niThresholdLower) * 0.08; // 8% between PT and UEL
}
// Student Loan Repayment Calculation
var annualStudentLoanDeduction = 0;
var studentLoanThreshold = 0;
var postgraduateLoanThreshold = 21000; // Postgraduate Loan threshold
// Determine student loan threshold based on plan
if (studentLoanPlan === "plan1") {
studentLoanThreshold = 24990;
} else if (studentLoanPlan === "plan2") {
studentLoanThreshold = 27295;
} else if (studentLoanPlan === "plan4") {
studentLoanThreshold = 31395;
} else if (studentLoanPlan === "plan5") {
studentLoanThreshold = 25000;
}
// Calculate student loan repayment (9% above threshold)
if (studentLoanThreshold > 0 && annualGrossPay > studentLoanThreshold) {
annualStudentLoanDeduction += (annualGrossPay – studentLoanThreshold) * 0.09;
}
// Calculate postgraduate loan repayment (6% above threshold)
if (postgraduateLoan === "yes" && annualGrossPay > postgraduateLoanThreshold) {
annualStudentLoanDeduction += (annualGrossPay – postgraduateLoanThreshold) * 0.06;
}
// Net Pay Calculation
var netAnnualPay = annualGrossPay – annualIncomeTax – annualNationalInsurance – annualPensionDeduction – annualStudentLoanDeduction;
// Convert to monthly and weekly
var grossMonthlyPay = annualGrossPay / 12;
var grossWeeklyPay = annualGrossPay / 52;
var netMonthlyPay = netAnnualPay / 12;
var netWeeklyPay = netAnnualPay / 52;
// Display Results
document.getElementById("grossAnnualPay").innerText = "£" + annualGrossPay.toFixed(2);
document.getElementById("grossMonthlyPay").innerText = "£" + grossMonthlyPay.toFixed(2);
document.getElementById("grossWeeklyPay").innerText = "£" + grossWeeklyPay.toFixed(2);
document.getElementById("annualIncomeTax").innerText = "£" + annualIncomeTax.toFixed(2);
document.getElementById("annualNationalInsurance").innerText = "£" + annualNationalInsurance.toFixed(2);
document.getElementById("annualPensionDeduction").innerText = "£" + annualPensionDeduction.toFixed(2);
document.getElementById("annualStudentLoanDeduction").innerText = "£" + annualStudentLoanDeduction.toFixed(2);
document.getElementById("netAnnualPay").innerText = "£" + netAnnualPay.toFixed(2);
document.getElementById("netMonthlyPay").innerText = "£" + netMonthlyPay.toFixed(2);
document.getElementById("netWeeklyPay").innerText = "£" + netWeeklyPay.toFixed(2);
}
// Initial call to set up visibility and calculate with default values
toggleHoursPerWeek();
calculateWage();
Understanding Your UK Payslip: A Detailed Guide
Navigating your payslip in the UK can sometimes feel like deciphering a complex code. This guide breaks down the key components of your wage, explaining what each deduction means and how it impacts your take-home pay.
Gross Pay
Your Gross Pay is your total earnings before any deductions are made. This is the figure agreed upon with your employer, whether it's an annual salary, hourly rate, or weekly wage. Our calculator first converts all pay frequencies into an annual gross figure for consistent calculation.
Income Tax
Income Tax is a mandatory deduction paid to HM Revenue & Customs (HMRC) based on your earnings. For the 2024/2025 tax year, the standard Personal Allowance (the amount you can earn before paying tax) is £12,570. Tax rates for England, Wales, and Northern Ireland are:
- Basic Rate: 20% on earnings between £12,571 and £50,270
- Higher Rate: 40% on earnings between £50,271 and £125,140
- Additional Rate: 45% on earnings over £125,140
Your Tax Code (e.g., 1257L) indicates how much tax-free income you're allowed. '1257L' means you get the standard £12,570 Personal Allowance. If your income exceeds £125,140, your Personal Allowance is gradually reduced.
National Insurance (NI)
National Insurance contributions fund certain state benefits, such as the State Pension, Maternity Allowance, and Jobseeker's Allowance. For employees (Category A) in the 2024/2025 tax year, the rates are:
- 0% on earnings up to £12,570 per year
- 8% on earnings between £12,570.01 and £50,270 per year
- 2% on earnings above £50,270 per year
Like Income Tax, NI is calculated on your gross pay, often after pension contributions are deducted.
Pension Contributions
Many employers offer workplace pension schemes, and by law, most eligible employees are automatically enrolled. Your pension contributions are usually deducted from your gross pay before Income Tax and National Insurance are calculated, meaning you get tax relief on these contributions. The percentage you contribute can vary based on your scheme and personal choice.
Student Loan Repayments
If you have taken out a student loan, repayments are typically deducted directly from your salary once your income exceeds a certain threshold. The repayment rate is 9% of your earnings above the threshold, which varies depending on your loan plan:
- Plan 1: £24,990 (for courses started before Sept 2012)
- Plan 2: £27,295 (for courses started Sept 2012 – July 2023)
- Plan 4: £31,395 (for Scottish students)
- Plan 5: £25,000 (for courses started from Aug 2023)
Additionally, if you have a Postgraduate Loan, you repay 6% of earnings over £21,000.
Net Pay (Take-Home Pay)
Your Net Pay is the amount of money you actually receive in your bank account after all deductions (Income Tax, National Insurance, Pension, Student Loans, etc.) have been taken from your gross pay. This is your true take-home pay.
Example Calculation:
Let's consider an individual earning a Gross Annual Salary of £35,000, with a standard 1257L Tax Code, contributing 5% to their pension, and on Student Loan Plan 2, with no Postgraduate Loan.
- Gross Annual Pay: £35,000.00
- Pension Deduction (5%): £1,750.00 (35,000 * 0.05)
- Taxable Income: £33,250.00 (35,000 – 1,750)
- Income Tax:
- Personal Allowance: £12,570.00 (tax-free)
- Taxable amount: £20,680.00 (33,250 – 12,570)
- Income Tax (20%): £4,136.00 (20,680 * 0.20)
- National Insurance:
- NI-able income: £33,250.00 (35,000 – 1,750)
- NI between £12,570.01 and £33,250 (8%): £1,654.40 ((33,250 – 12,570) * 0.08)
- Student Loan (Plan 2):
- Threshold: £27,295.00
- Amount above threshold: £7,705.00 (35,000 – 27,295)
- Student Loan Repayment (9%): £693.45 (7,705 * 0.09)
- Total Annual Deductions: £1,750 (Pension) + £4,136 (Tax) + £1,654.40 (NI) + £693.45 (Student Loan) = £8,233.85
- Net Annual Pay: £35,000 – £8,233.85 = £26,766.15
- Net Monthly Pay: £26,766.15 / 12 = £2,230.51
- Net Weekly Pay: £26,766.15 / 52 = £514.73
This calculator provides an estimate based on standard rates for the current tax year. Your actual pay may vary due to specific circumstances, such as different tax codes, salary sacrifice schemes, or other payroll deductions.