1. What Is The Salary Calculator For 25/26?

The Salary Calculator For 25/26 calculates your take-home pay (net salary) after deducting Income Tax and National Insurance contributions based on UK tax rates for the 2025/26 tax year.

2. How Does The Calculator Work?

The calculator uses the following formula:

Where:

• \( Gross \) — Your annual salary before deductions
• \( Tax \) — Income Tax calculated based on UK tax bands
• \( NI \) — National Insurance contributions

Explanation: The calculator applies UK tax rates progressively across different income bands and calculates National Insurance based on your earnings.

3. UK Tax Bands 2025/26

Details: For the 2025/26 tax year, the UK Income Tax bands are:

• Personal Allowance: £0 - £12,570 (0% tax)
• Basic Rate: £12,571 - £50,270 (20% tax)
• Higher Rate: £50,271 - £125,140 (40% tax)
• Additional Rate: Above £125,140 (45% tax)

4. National Insurance Contributions

Details: National Insurance is calculated as:

• 8% on earnings between £12,571 and £50,270
• 2% on earnings above £50,270
• 0% on earnings below £12,571

5. Frequently Asked Questions (FAQ)

Q1: Is This Calculator Accurate For All Situations?
A: This calculator provides estimates for standard employment. It may not account for student loan repayments, pension contributions, or other deductions.

Q2: What Is The Personal Allowance?
A: The Personal Allowance is the amount you can earn each tax year without paying any Income Tax. For 2025/26, this is £12,570.

Q3: How Often Should I Use This Calculator?
A: Use it when considering salary changes, job offers, or to understand your take-home pay. Tax calculations should be reviewed annually.

Q4: Are Scottish Tax Rates Different?
A: Yes, Scotland has different tax bands and rates. This calculator uses rates for England, Wales, and Northern Ireland.

Q5: What About Pension Contributions?
A: Pension contributions can affect your taxable income. This calculator assumes no pension deductions for simplicity.