How take-home pay, tax, VAT and redundancy work in the UK for 2025/26: income tax for England, Wales and Northern Ireland and the separate Scottish bands, the Personal Allowance and its 100k taper, employee National Insurance, student loan repayments, the 20% and 5% VAT rates, and statutory redundancy pay. Every figure follows the official HMRC rates, and each guide links the calculator so you can run your own numbers.
How UK Take-Home Pay Works in 2025/26 (Income Tax, NI, the 100k Trap)
Plain guide to UK take-home pay for 2025/26: income tax bands, the 100k taper, National Insurance, student loans, and a worked example at 35,000 GBP gross.
How UK VAT Works: the 20%, 5% and 0% Rates Explained
Plain guide to UK VAT: the 20%, 5% and 0% rates, what each covers, how zero-rated differs from exempt, and removing VAT from a gross price.
UK Statutory Redundancy Pay Explained (2025/26)
How statutory redundancy pay works in 2025/26: who qualifies, the age-banded formula, the 20-year and 719 GBP caps, the 21,570 GBP max, and a worked example.
Tools in this guide
Work out your UK take-home pay for the 2025/26 tax year. Enter your gross salary, choose England, Wales and NI or Scotland, and add a student loan plan to see income tax, National Insurance, and your net pay per month and per year.
Calculate UK VAT fast. Enter a net amount (excl. VAT) or a gross amount and get the full breakdown at the 20% standard rate, the 5% reduced rate, or the 0% zero rate.
Work out your UK statutory redundancy pay for 2025/26. Enter your age, full years of service, and gross weekly pay to see the weeks of pay you are owed and the total, with the 719 GBP weekly cap applied.