Frequently Asked Questions

Enter your annual or monthly gross salary into our Salary Calculator. It will automatically deduct Income Tax, National Insurance, and any pension contributions to show your exact take-home pay. You can also choose your region (England, Scotland, Wales, or Northern Ireland) for accurate results.

No. Every calculator on YourIncomeCalculator.com is completely free to use and requires no registration, login, or email address. Simply visit the calculator you need and start entering your figures.

Yes. All of our calculators use the official HMRC tax rates, thresholds, and National Insurance bands for the 2025/26 tax year (6 April 2025 to 5 April 2026). We update them every year as soon as HMRC publishes new rates. While the results are highly accurate for standard situations, they are for informational purposes and should not replace professional tax advice.

All UK calculators use the 2025/26 tax year, which runs from 6 April 2025 to 5 April 2026. This includes the latest Income Tax bands, National Insurance thresholds, and Personal Allowance figures confirmed by HMRC.

We update all calculators annually when HMRC confirms the new tax rates, usually after the Autumn Budget or Spring Statement. If mid-year changes are announced, we update the relevant calculators as soon as the new rates are confirmed.

For employees, National Insurance is calculated at 8% on earnings between the Primary Threshold (£12,570) and the Upper Earnings Limit (£50,270), and at 2% on earnings above the Upper Earnings Limit. The calculator handles these bands automatically and shows you the exact NI deduction alongside your Income Tax.

Our Student Loan Calculator supports all current repayment plans: Plan 1 (pre-2012), Plan 2 (post-2012), Plan 4 (Scotland), Plan 5 (post-2023), and Postgraduate Loans. Select your plan type and enter your salary to see your monthly repayments.

Yes. Our Dividend vs Salary Calculator lets you model different combinations of salary and dividends to find the most tax-efficient split. It takes into account Corporation Tax, Income Tax, National Insurance, and the dividend allowance so you can see the total tax cost of each scenario.

Yes. We have a dedicated Self-Employed Tax Calculator and a Sole Trader Tax Calculator that factor in Class 2 and Class 4 National Insurance contributions, the trading allowance, and Income Tax to give you an estimate of your tax bill and take-home profit.

Yes. Our Employer Cost Calculator shows the total cost to your employer, including gross salary, employer's National Insurance contributions (at 15% above the £5,000 threshold for 2025/26), and auto-enrolment pension contributions.

No. All calculations are performed entirely in your browser using client-side JavaScript. No salary figures, personal details, or calculation results are sent to our servers or stored anywhere. Your data never leaves your device.