TL;DR
Your take-home on £80k gross is £54k/year (32.8% effective rate).
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Full-time & contractor take-home · UK 2025/26 · England/Wales/NI

You'll keep
£53,757
/year · that's 67.2% of gross
Effective rate
32.8%
Marginal rate
42%
Optimise for
Smart preset · fully editable
Balanced plan. Sensible middle ground — solid pension, healthy take-home.
Your total pay before any tax, NI, or deductions — the figure on your contract.
£
Treated as PAYE income — taxed and NI'd in the same way as your salary.
£
Taxable but not cash — for example, a company car or private medical insurance.
£
1257L · BR · D0 · D1 · K475 · NT · 0T — blank uses the standard allowance.
Scottish taxpayerSwitches to six Scottish income tax bands (Starter 19% → Top 48%).
Your pension contribution as a percentage of gross salary.
%
Your employer's pension contribution as a percentage of gross salary.
%
Net amount you pay into a personal pension — HMRC adds 20% basic-rate relief.
£
Annual value sacrificed under a legacy employer childcare voucher scheme.
£
Annual salary sacrificed for a company electric vehicle lease.
£
Annual salary sacrificed for a cycle-to-work scheme (bike and equipment).
£
Annual salary sacrificed to buy extra holiday days from your employer.
£
Plans 1/2/4/5 are mutually exclusive. Postgrad stacks on top.
Marriage Allowance£1,260 of your partner's unused personal allowance, worth up to £252/year.
HICBC starts when your adjusted net income exceeds £60,000.
£

Where it goes

Balanced order
year
Take HomeFocusCash in pocket
£53,757
Pension (You)Goes to your pension pot
£4,000
Income TaxIncome tax
£18,632
National InsuranceEmployee NI
£3,611
Gross£80,000

Adjusted Net Income

£76,000
The figure HMRC uses for personal allowance taper, HICBC, and gift aid bands.
Below £60k
HICBC
£100k trap
£125k+
£0£60k£100k£125k£160k+

Marginal effective tax rate

42%
What HMRC takes from your next £1 of income — including NI, student loan and traps.
£0£50k£100k£125k£175k
£100k trap zoneYour marginal curve

What if …

How your take-home changes when you tweak one variable.
Pension at 10%
vs your 5%
£50,557
−£3,200
Pension at 15%
+5pp salary sacrifice
£47,357
−£6,400
Salary £100k
right under the trap
£66,257
+£12,500
Switch to salary sacrifice
same %, NI savings
£54,637
+£880

Pension: cost vs invested

How much your take-home actually drops vs how much lands in your pot.
Cost to you
£3,200
out of pocket
Lands in pot
£8,000
incl. employer + relief
Every £1 out of pocket grows your pension by £2.50.

Income tax bands (rUK)

0% — Personal Allowance£12,570
20% — Basic Rate£41,700 · £8,340 tax
40% — Higher Rate£25,730 · £10,292 tax
Pension growth
Total going into pension this year
£8,000
Stress test
What if the world changes? Toggle a scenario.
simulator
New value
£53,757
Δ vs baseline
+£0
Real value 1yr out
£52,446
@ 2.5% CPI
Today£53,757
Now£53,757
Current plan. Scenario figures are illustrative — they scale your current calculation rather than re-running every band. Useful for direction, not for filing.

This is an estimate. We use HMRC rates for 2025/26 (England/Wales/NI) and make assumptions to keep the maths simple — see the salary guide for what we leave out.

This is general information, not financial advice. For decisions about your money, consider speaking with a qualified adviser. If you run a limited company, are self-employed, or have non-standard income, an accountant will catch things this calculator can't.

Tax rules can change, and some allowances and charges depend on your personal circumstances — marriage status, residence, other income, dependants. Check the gov.uk pages linked in the guide before relying on a number for a real decision.

Last reviewed: 2026-05-10. Applies to: UK. About Darisy.

Watch & learn
UK Salary & Tax Explained (2025/26)
YouTube · Damien Talks Money

UK Salary & Tax Explained (2025/26)

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