About UK Take Home Pay & HMRC PAYE Tax Studio (2024–2026 - £100k Taper & NIC 8%)
Official United Kingdom salary and take-home pay calculator compliant with HMRC PAYE tax codes. Accurately calculates Personal Allowance (£12,570 with £1-for-£2 taper above £100,000 reaching the 60% marginal tax trap), England/NI vs Scottish tax rates (19% to 48%), Employee National Insurance Class 1 (8% basic / 2% upper), Student Loan Repayments (Plan 1, Plan 2, Plan 4 Scotland, Plan 5, Postgraduate 6%), and auto-enrolment workplace pensions. 100% private in British Pounds (£ GBP).
Key Capabilities & Features
- HMRC PAYE brackets: 20% Basic, 40% Higher, and 45% Additional rates
- Personal Allowance taper: exact calculation of £1 reduction per £2 earned over £100,000
- Updated Class 1 National Insurance: 8% on £12,570 to £50,270, and 2% above
- Scottish Income Tax option: Starter 19%, Basic 20%, Intermediate 21%, Higher 42%, Advanced 45%, Top 48%
- Comprehensive Student Loan support: Plans 1, 2, 4, 5, and Postgraduate loan deductions
How to Use UK Take Home Pay & HMRC PAYE Tax Studio (2024–2026 - £100k Taper & NIC 8%)
Input Annual Gross Salary
Enter your gross salary in British Pounds (£ GBP).
Select Tax Region & Student Loan
Choose England/Wales/NI or Scotland, and select your student loan repayment plan.
View Take-Home Pay
See your exact monthly or weekly net salary after PAYE tax and National Insurance.
Privacy & In-Browser Execution Guarantee
100% Client-Side. Your British salary and HMRC deductions are calculated exclusively in your browser memory.
Frequently Asked Questions
What is the £100,000 tax trap in the UK?
For every £2 earned above £100,000, your £12,570 Personal Allowance decreases by £1. Combined with the 40% higher rate and 2% National Insurance, this creates an effective 60% marginal tax rate on income between £100,000 and £125,140.