UK Income Tax Calculator 2024-25
Calculate take-home pay, income tax & National Insurance
Annual Gross Salary
£35,000
£0£50k£100k£150k£200k
£
/ year
Pension Contribution
5%
0%5%10%15%20%
%
Student Loan Plan
Tax year 2024-25 — England, Wales & Northern Ireland rates.
Personal Allowance: £12,570 | Basic Rate: 20% up to £50,270 | Higher Rate: 40% up to £125,140 | Additional Rate: 45%
Personal Allowance: £12,570 | Basic Rate: 20% up to £50,270 | Higher Rate: 40% up to £125,140 | Additional Rate: 45%
TAKE-HOME PAY
Annual Take-Home
£27,342
Monthly
£2,278
Weekly
£526
Take-home
Income Tax
NI
Pension
Student Loan
Gross Salary£35,000
− Pension (5%)£1,750
Adjusted Income£33,250
Personal Allowance£12,570
− Income Tax£4,136
− National Insurance£1,772
Take-Home Pay£27,342
Effective deduction rate: 21.9%
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Frequently Asked Questions
For England, Wales and Northern Ireland in 2024-25: Personal Allowance £12,570 (0%), Basic Rate 20% on £12,571–£50,270, Higher Rate 40% on £50,271–£125,140, Additional Rate 45% above £125,140. The personal allowance reduces by £1 for every £2 earned above £100,000.
For employees in 2024-25: No NI on earnings below £12,570. 8% NI on earnings between £12,570 and £50,270. 2% NI on earnings above £50,270.
The standard personal allowance for 2024-25 is £12,570. It tapers by £1 for every £2 earned above £100,000, and is fully withdrawn at £125,140.
UK student loan repayments are 9% of income above the threshold: Plan 1 is £24,990, Plan 2 is £27,295, and Plan 4 (Scotland) is £31,395. Repayments are collected via PAYE and deducted before take-home pay.