About SalarySorted

What is SalarySorted?

SalarySorted is a free tool that calculates your UK take-home pay after all statutory deductions — income tax, National Insurance, pension contributions, and student loan repayments. It's designed to give you an accurate, instant picture of what you actually earn.

2025/26 HMRC rates

All calculations use the official 2025/26 HMRC rates and thresholds, including:

• –Personal allowance: £12,570
• –Basic rate (20%): £12,571 to £50,270
• –Higher rate (40%): £50,271 to £125,140
• –Additional rate (45%): over £125,140
• –Scottish bands: Starter, Basic, Intermediate, Higher, Advanced and Top rates
• –National Insurance: 8% on earnings £12,570–£50,270, then 2%
• –Student loan plans 1, 2, 4, 5 and Postgraduate

How PAYE works

PAYE (Pay As You Earn) is the system HMRC uses to collect income tax and National Insurance directly from your salary before it reaches your bank account. Your employer deducts the right amount each pay period based on your tax code and cumulative earnings.

SalarySorted replicates this calculation for the full tax year so you can see the annual and monthly picture side by side.

Pension types

Salary sacrifice — contributions are taken before tax and NI, reducing both bills. This is the most tax-efficient option for most people.

Relief at source — contributions come from your net pay, but your pension provider automatically claims 20% basic rate tax relief from HMRC, topping up your pot. Higher and additional rate taxpayers can claim further relief via self assessment.

Not financial advice

SalarySorted is for information and guidance only. The figures produced are estimates based on standard PAYE rules and may not reflect your exact circumstances. Always speak to a qualified financial adviser or check directly with HMRC for advice specific to your situation.