Net to Gross Salary Calculator UK 2025/26
Net to Gross Salary Calculator UK 2025/26
Convert take-home pay to gross salary (and vice versa) with accurate tax calculations
💰 Enter Your Details
Your desired annual take-home pay after all deductions
Find this on your payslip or P45
Auto-enrolment minimum is 5% (3% employer + 2% employee)
📈 Quick Summary
💡 Key Information
📊 Detailed Breakdown
Annual Breakdown
Monthly Breakdown
📚 Understanding Net to Gross Calculation
🔄 What is Net to Gross?
Net to gross calculation works backwards from your desired take-home pay to determine the gross salary your employer needs to pay you. It accounts for all deductions including tax, NI, student loans, and pension.
💷 Why Use This Calculator?
Perfect for salary negotiations when you know your required take-home pay. Helps employers determine the true cost of an employee’s desired net salary, including all statutory deductions.
📊 Calculation Method
Uses iterative calculation to find the gross salary that results in your target net pay after Income Tax (0-45%), National Insurance (8% + 2%), student loans (6-9%), and pension contributions.
🎯 2025/26 Tax Rates
Personal Allowance: £12,570
Basic Rate: 20% (£12,571-£50,270)
Higher Rate: 40% (£50,271-£125,140)
NI: 8% (£12,571-£50,270), 2% above
🏴 Scottish Tax Rates
Starter: 19% (£12,571-£15,397)
Basic: 20% (£15,398-£27,491)
Intermediate: 21% (£27,492-£43,662)
Higher: 42% (£43,663-£75,000)
Advanced: 45% (£75,001-£125,140)
Top: 48% (above £125,140)
🎓 Student Loan Thresholds
Plan 1: £26,065 (9%)
Plan 2: £28,470 (9%)
Plan 4: £32,745 (9%)
Plan 5: £25,000 (9%)
Postgrad: £21,000 (6%)
⚠️ Important Disclaimer
For guidance purposes only. This calculator provides estimates based on standard HMRC rates for 2025/26. Actual deductions may vary based on individual circumstances, tax code adjustments, and employment-specific arrangements. Always verify calculations with HMRC or a qualified accountant. The calculator assumes a single employment and does not account for complex tax situations.
Data Sources: HMRC Tax Rates 2025/26 | GOV.UK Official Guidance | Student Loans Company