Income Tax and NI Combined Calculator

This combined income tax and NI calculator shows all PAYE deductions in one view — your total tax burden as a percentage of gross earnings and the exact split between income tax and National Insurance.

This calculator provides the most detailed breakdown of your PAYE position. Enter gross salary, select your region, and add any adjustments to your personal allowance for non-standard tax codes, allowances, or reliefs. Pension contributions can be entered separately to show the effect on taxable income. The results include every significant deduction: income tax broken down by band, employee NI at both the main and upper rates, student loan repayments, and pension deduction. The effective tax rate combines all deductions as a percentage of gross. Use this for accurate comparison of job offers including pension terms — a role with a 5% employer pension contribution is materially better value than the headline salary difference alone.