Northern Ireland Net Salary Calculator
Calculate your take-home pay in Northern Ireland after tax and National Insurance
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Personal Allowance: £12,570
Tax Breakdown for northern-ireland (2024/25)
Income Tax
| Band | Rate | Taxed |
|---|---|---|
| Up to £12,570 | 0% | £0.00 |
| Up to £37,700 | 20% | £0.00 |
| Up to £74,999.99 | 40% | £0.00 |
| Up to £∞ | 45% | £0.00 |
National Insurance (NI)
| Band | Rate | NI |
|---|---|---|
| Up to £12,570 | 0% | £0.00 |
| Up to £50,270 | 8% | £0.00 |
| Up to £∞ | 2% | £0.00 |
Calculator Data Sources
- Student loan thresholds and repayment rates – GOV.UK guidance
- Plan 4 repayment info (Scotland) – mygov.scot
- Auto-enrolment pension thresholds – The Pensions Regulator
- UK tax codes and personal allowance – GOV.UK income tax rates
- National Insurance thresholds and rates – GOV.UK NI rates
📺 How Your Salary is Taxed in Northern Ireland (2024/25)
How Your Take-Home Pay is Calculated in Northern Ireland
Northern Ireland follows the same income tax and National Insurance rules as England and Wales. Our Net Salary Calculator for Northern Ireland reflects 2024/25 HMRC thresholds to estimate your take-home pay after all key deductions.
Income Tax (PAYE)
Employees in Northern Ireland are taxed under the UK PAYE system, using the same income tax bands as England: 20% basic rate, 40% higher rate, and 45% additional rate. The standard personal allowance of £12,570 is subtracted from your gross income before calculating tax, unless your tax code indicates otherwise. Your tax code may reflect adjustments based on benefits, multiple jobs, or under/overpayment.
National Insurance Contributions (NICs)
National Insurance contributions in Northern Ireland follow UK-wide thresholds. In 2024/25, most employees pay 8% on earnings between the Primary Threshold and the Upper Earnings Limit. NICs are deducted automatically from your salary to help fund the NHS, state pension, and other welfare benefits.
Pension Contributions
If you're enrolled in a workplace pension, a portion of your gross pay is contributed monthly—usually before tax is applied. This lowers your taxable income and increases long-term savings. Our calculator allows you to input your pension contribution rate to reflect this impact on your take-home pay.
Student Loan Repayments
Student loans are repaid through PAYE if your income exceeds the threshold for your loan type. You may be repaying under Plan 1, Plan 2, or a postgraduate loan plan. Repayments are calculated as a percentage of your income above that threshold and deducted automatically each month.
Tax Codes
Tax codes determine how much of your income is tax-free and if any adjustments should apply. The standard tax code (1257L) assumes the full personal allowance. Second jobs or benefits-in-kind may result in a different code, such as BR (Basic Rate) or D0 (Higher Rate). Using the correct tax code ensures your employer deducts the right amount of tax.
Use this calculator to estimate how much of your salary you'll actually take home in Northern Ireland. It’s useful for planning budgets, evaluating job offers, and understanding the effects of tax and pension contributions on your income.
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All calculators use 2025 tax rates and regulations
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