UK Salary Calculator

Personal allowance with £100k taper, 20/40/45% slices on taxable pay, Class 1 NI (8%/2%), and relief-at-source pension reducing PAYE only.

Gross annual salary (£)Pension contribution (% of gross, relief at source)

Gross (annual)

£45,000

Taxable (model)

£30,180

Total tax + contrib. (est.)

£10,880

Net (annual)

£34,120

Monthly take-home

£2,843

All-in effective rate

24.2%

Breakdown (illustrative — not tax advice)

Workplace pension (5%, relief at source)£2,250
Income tax (20% / 40% / 45% on taxable)£6,036
National Insurance (8% / 2% bands, on gross)£2,594

UK employees typically see income tax and National Insurance withheld under PAYE, sometimes plus pension contributions.

Scottish rates and student loans are natural extensions in `ukSalary.js`.

UK Salary Calculator — key points

Gross-to-net pipeline
Breakdown list ready for IT + NI splits
Monthly take-home

How to use this calculator

Enter gross annual pay in pounds.

Add personal allowance taper and multiple tax bands in code.
Optional pension % field on the form.

Take-home concept

Net ≈ Gross − income tax − National Insurance − pension − (other)

Symbols

Personal allowance — Reduced for high earners under HMRC rules.
NI — Category letter affects rates—stub uses a single simplified rate.

Illustrative reading

Band boundaries make marginal tax rates jump; accurate tables belong in data files.

Why host this on Profitspire Hub

Clear UK landing page
Shared article layout with other countries
Easy FAQ expansion

Frequently asked questions

Is take-home exact?: No until HMRC-accurate logic is implemented.
Week 1 vs cumulative PAYE?: Not modelled in the stub.

Profitspire Hub publishes educational estimates only. Payroll tax rules change by year and circumstance—verify with official guidance or a qualified adviser before acting.

Questions? Contact us