The Calculator App
UK Salary
Calculator App
The best free UK salary calculator app. Calculate your exact take-home pay after Income Tax, National Insurance, student loan, and pension deductions. No download. Works on iPhone and Android.
Salary and budgeting tools in the app
UK Salary Calculator
PAYE take-home pay after tax, NI, student loans and pension
Budget Planner
Apply 50/30/20 or zero-based budgeting to your take-home pay
Savings Goal Calculator
Work out how much to save each month from your salary
ISA Calculator
Model ISA growth using your monthly savings from salary
Loan Calculator
Calculate monthly loan repayments against your take-home pay
Compound Interest Calculator
Invest your monthly surplus and model 30-year growth
UK Income Tax bands 2025/26
| Band | Income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic Rate | £12,571–£50,270 | 20% |
| Higher Rate | £50,271–£125,140 | 40% |
| Additional Rate | Over £125,140 | 45% |
Worked example — £45,000 salary
Frequently asked questions
Is there a free salary calculator app for the UK?
Yes. The Calculator App includes a free UK salary calculator that works on iPhone and Android with no download. It calculates take-home pay after Income Tax, National Insurance, student loan deductions, and pension contributions.
What is the best salary calculator app in the UK?
The best UK salary calculator app accounts for all deductions — PAYE Income Tax across all bands, Class 1 National Insurance, Plan 1/2/4 student loans, and pension contributions. The Calculator App covers all of these accurately for the 2025/26 tax year.
Does the salary app calculate National Insurance?
Yes. The UK Salary Calculator in The Calculator App calculates Class 1 National Insurance contributions at the current rates, broken down alongside Income Tax so you can see exactly what you pay.
Can I calculate my take-home pay after student loan?
Yes. The salary calculator includes Plan 1, Plan 2, and Plan 4 student loan repayment options, so your take-home pay figure is accurate whether you're a recent graduate or have an older loan.
Does the salary calculator app work for self-employed?
The current tool focuses on PAYE employment. For self-employed income, use it alongside the savings and tax calculators to estimate your net position after Class 2/4 NI and Income Tax.
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