Salary Tax Calculator
Calculate UK take-home pay with income tax & NI, or US take-home with federal tax & FICA. Updated for 2024/25.
Country / Tax System
Student Loan
Results
Gross Pay
£35,000.00
Income Tax
£4,486.00
National Insurance
£1,794.40
Take-Home Pay
£28,719.60
Total Deductions
£6,280.40
Effective Rate
17.9%
Income Breakdown
UK Tax Breakdown (Annual)
| Component | Rate | Amount |
|---|---|---|
| Personal Allowance | 0% | £12,570.00 |
| Basic Rate Band | 20% | £4,486.00 |
| Total Income Tax | £4,486.00 | |
| NI — Primary (8%) | 8% | £1,794.40 |
| Total NI | £1,794.40 | |
| Net Annual Pay | £28,719.60 |
How to Use the Salary Tax Calculator
Choose UK or US Mode
Select UK for 2024/25 PAYE calculations (income tax + NI) or US for 2024 federal tax + FICA calculations.
Enter Your Gross Salary
Type your annual gross salary before any deductions. The calculator handles all the rest automatically.
UK: Set Student Loan Plan
If you have a UK student loan, select Plan 1 (threshold £22,015) or Plan 2 (threshold £27,295). This adds the 9% repayment to your deductions.
US: Choose Filing Status
Select Single or Married Filing Jointly. This affects your standard deduction and the income thresholds for each tax bracket.
Switch Period View
Use the Annual / Monthly / Weekly / Daily tabs to see your take-home pay broken down into different time periods.
Frequently Asked Questions
How accurate is the UK tax calculation?+
The calculator uses the official 2024/25 tax bands published by HMRC: a Personal Allowance of £12,570, Basic Rate of 20% up to £50,270, Higher Rate of 40% up to £125,140, and Additional Rate of 45% above that. It also applies the tapered Personal Allowance reduction for salaries above £100,000. While this covers the vast majority of PAYE workers, it does not account for pension contributions, marriage allowance, blind person's allowance, or other individual adjustments.
Does the UK calculator include National Insurance?+
Yes. The calculator applies Class 1 employee NI contributions at 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270. These are the 2024/25 rates following the reduction from 10% announced in the 2024 Spring Budget.
Does the US calculator include state income tax?+
No. This calculator covers federal income tax and FICA (Social Security at 6.2% and Medicare at 1.45%) only. State income tax varies significantly by state — from 0% in states like Texas and Florida to over 13% in California. For a full picture, check your specific state's tax rates.
What is the difference between marginal rate and effective rate?+
Your marginal rate is the tax rate that applies to your last pound or dollar of income — the highest bracket you fall into. Your effective rate is the average rate across all your income, which is always lower. For example, someone earning £50,000 in the UK has a 40% marginal rate on the slice above £50,270, but their effective rate is much lower because most of their income was taxed at 0% or 20%.
Should I include employer pension contributions in my gross salary?+
For this calculator, enter your gross salary before pension deductions. Employee pension contributions reduce your taxable income under salary sacrifice arrangements, which can lower your income tax and NI bill. The calculator currently uses your full gross salary; for salary sacrifice results, enter your reduced gross salary after the sacrifice amount.