UK Salary & Budget Calculator 2025/26

Calculate Your 2026 Take-Home Pay

Accurate UK salary calculator with 2025/26 and 2026/27 tax rates

Gross Salary

Pay Period

Tax Year

2025/26 2026/27

Tax Code

Region

Age Category

Student Loan Plans

Plan 1 (Started before Sept 2012) Plan 2 (Started Sept 2012+) Plan 4 (Scotland) Plan 5 (Started Sept 2023+) Postgraduate Loan

Pension Contribution

Pension Method

Blind Person’s Allowance (+£3,070)

📊

Enter your details and click “Calculate Now” to see your take-home pay

Your Monthly Take-Home Pay

£0

After tax, NI, and deductions

Item	Amount

Your Gross Salary	£0
Employer NI (15%)	£0
Total Cost to Employer	£0

Track Your Actual Expenses

Enter your monthly expenses below to see how your spending compares to the 50/30/20 rule.

🏠 Needs (50%)

Essential expenses you can’t avoid

Electricity/Gas

Water Rates

Council Tax

Home Insurance

Internet

Groceries/Food

Mortgage/Rent

Car Insurance

Car Tax/MOT

Petrol/Fuel

Mobile Phone

Childcare/School Fees

Healthcare/Prescriptions

Life Insurance

Other Needs

Total Needs: £0.00

🎉 Wants (30%)

Discretionary spending & lifestyle

Eating Out/Takeaways

Holidays/Travel

Entertainment/Cinema

Gym Membership

Hobbies/Sports

Streaming Services (Netflix, etc.)

Clothing/Fashion

Beauty/Grooming

Gifts/Presents

Alcohol/Tobacco

Home Improvements

Gadgets/Electronics

Books/Magazines

Pet Care (non-essential)

Other Wants

Total Wants: £0.00

💰 Savings (20%)

Building your financial future

Emergency Fund

Pension Contributions

ISA Savings

Investment Accounts

Savings Accounts

Debt Repayment (Extra)

Children’s Savings

House Deposit Fund

Retirement Savings

Other Savings

Total Savings: £0.00

Your Budget Summary

Total Monthly Expenses

£0.00

Monthly Take-Home Pay

£0.00

Surplus / Deficit

£0.00

Your Spending vs. 50/30/20 Target

Needs

Target: 50%

Wants

Target: 30%

Savings

Target: 20%

How to Budget This Income (50/30/20 Rule)

Track Your Actual Expenses

🏠 Needs (50%)

🎉 Wants (30%)

💰 Savings (20%)

Your Budget Summary

Your Spending vs. 50/30/20 Target