Salary Calculator
Use this free salary calculator to instantly convert your pay between hourly, daily, weekly, monthly, and annual amounts. Whether you’ve been offered a new job, comparing salaries, or just want to know what your hourly rate works out to per year — this tool gives you the full breakdown in seconds, with no sign-up required.
Salary After Tax Calculator
This calculator gives an estimate only. Actual take-home pay may vary based on tax code, state taxes, pension, deductions, benefits, filing status, and other factors.
How to Use the Salary Calculator
- Enter your salary amount
- Select the pay period it refers to (hourly, weekly, monthly, or annual)
- Enter your hours per week if calculating from an hourly rate
- Click Calculate to see your salary converted across all pay periods instantly
Salary Conversion Examples
| Annual Salary | Monthly | Weekly | Daily (5-day) | Hourly (40hr week) |
|---|---|---|---|---|
| £20,000 | £1,667 | £385 | £77 | £9.62 |
| £25,000 | £2,083 | £481 | £96 | £12.02 |
| £35,000 | £2,917 | £673 | £135 | £16.83 |
| £50,000 | £4,167 | £962 | £192 | £24.04 |
| £75,000 | £6,250 | £1,442 | £288 | £36.06 |
| £100,000 | £8,333 | £1,923 | £385 | £48.08 |
Gross vs Net Salary — What’s the Difference?
Your gross salary is your total pay before any deductions. Your net salary — also called take-home pay — is what actually lands in your bank account after Income Tax, National Insurance, and any pension contributions are removed. The difference between the two can be significant, especially at higher salary levels where the 40% tax band kicks in.
As a guide for UK earners in the 2025/26 tax year:
| Gross Annual Salary | Approx. Take-Home (Net) | Income Tax Paid | NI Paid | Effective Rate |
|---|---|---|---|---|
| £15,000 | £13,832 | £486 | £682 | ~8% |
| £20,000 | £17,432 | £1,486 | £1,082 | ~13% |
| £30,000 | £24,422 | £3,486 | £2,092 | ~19% |
| £40,000 | £31,070 | £5,486 | £3,444 | ~22% |
| £50,000 | £37,198 | £7,486 | £4,316 + HICBC | ~26% |
| £60,000 | £43,306 | £11,432 | £4,748 | ~28% |
| £80,000 | £54,446 | £19,432 | £5,612 | ~32% |
| £100,000 | £65,096 | £27,432 | £6,372 | ~35% |
UK Income Tax Bands 2025/26
| Income Band | Tax Rate | What This Means |
|---|---|---|
| Up to £12,570 | 0% (Personal Allowance) | You pay no tax on this portion |
| £12,571 – £50,270 | 20% (Basic Rate) | Standard rate for most UK earners |
| £50,271 – £125,140 | 40% (Higher Rate) | You pay 40p tax on every £1 above this |
| Over £125,140 | 45% (Additional Rate) | Top rate — personal allowance also lost |
What Affects Your Take-Home Pay?
Beyond Income Tax and National Insurance, several other factors can reduce your net salary. If you’re enrolled in a workplace pension (automatic enrolment minimum is 5% employee contribution), that comes out of your gross pay. Student loan repayments are deducted automatically once you earn over the repayment threshold — Plan 2 starts at £27,295 and deducts 9% of earnings above that. If you receive company benefits like a company car or private medical insurance, these are taxed as benefits in kind and effectively raise your taxable income.
For a detailed breakdown of how much you’ll take home, pair this salary calculator with our Percentage Calculator to work out exact deduction amounts, or use our Discount Calculator to understand percentage-based pay rises.
How to Compare Job Offers Using This Calculator
When comparing two job offers, always look beyond the headline salary figure. A £35,000 role with a generous pension contribution, private healthcare, and 30 days holiday may be worth significantly more than a £38,000 offer with no benefits. Use the salary converter above to compare both roles on an hourly basis — then factor in commuting costs, pension contributions, and benefits to get the true value of each offer.
Salary Calculator FAQ
How do I convert an hourly rate to annual salary?
Multiply your hourly rate by your hours per week, then by 52. For example, £15/hour × 40 hours × 52 weeks = £31,200 per year. If you work part-time, use your actual contracted hours instead of 40.
How do I work out my monthly salary from annual?
Divide your annual salary by 12. For example, £42,000 ÷ 12 = £3,500 per month gross. Your net monthly pay will be lower after tax and NI deductions — see the table above for approximate take-home figures.
What is the UK minimum wage in 2025?
As of April 2025, the UK National Living Wage for workers aged 21 and over is £12.21 per hour. For 18–20 year olds it’s £10.00/hour, and for under 18s and apprentices it’s £7.55/hour. These figures are reviewed every April.
What is a good salary in the UK in 2025?
The UK median full-time salary is approximately £35,000–£37,000 per year as of 2025. Earning above £50,000 places you in the top 20% of UK earners. What constitutes a “good” salary varies significantly by location — London and the South East typically require higher salaries to maintain the same standard of living as other regions.
How much of my salary should I save?
The widely recommended guideline is to save at least 20% of your take-home pay. Even 10% is a strong starting point. Use our Savings Calculator to see how even modest monthly contributions grow significantly over time.
Does the calculator include pension and student loans?
The basic salary converter shows gross conversions across pay periods. For a full net pay calculation including pension, student loans, and NI, always check the HMRC tax calculator or consult your payslip for your specific deductions.
Related Calculators
- Loan Calculator — Calculate monthly repayments on a personal or car loan
- Mortgage Calculator — Find out how much of your salary goes towards a mortgage
- Savings Calculator — Plan how much of your salary to save each month
- Percentage Calculator — Work out percentage-based pay rises and deductions
- VAT Calculator — Calculate VAT on salary-related expenses for self-employed workers