Wales Net Salary Calculator

Calculate your take-home pay in Wales after tax and National Insurance

Region

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Search or browse to select a different region. You'll be redirected to the same calculator for the new region.

Base Salary (£)

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Include a Bonus?

Cash Allowances & Taxable Benefits

Cash Benefits (e.g. car, phone allowance)

Benefits in Kind (e.g. private healthcare)

Tax Year

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Show Results As

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Pension Type

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Pension Contribution (%)

Extra AllowancesBlind Person’s Allowance (+£2,870)Marriage Allowance Transfer (+£1,260)

Student Loan Plan(s)

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Plan 1Plan 2Plan 4 (Scotland)Postgraduate

Tax Code

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Personal Allowance: £12,570

Tax Breakdown for wales (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 Take-Home Pay is Calculated in Wales

While Wales currently mirrors England’s income tax bands, it has the devolved power to vary rates in future. Our Wales Net Salary Calculator uses HMRC’s latest 2024/25 thresholds to estimate your net income after income tax, National Insurance, pension deductions, and student loans.

Income Tax (PAYE)

Wales uses the same income tax bands as England for the 2024/25 tax year: 20% basic rate, 40% higher rate, and 45% additional rate. Most people are entitled to a personal allowance of £12,570, which is deducted from your gross income before tax is applied. Your tax code (usually prefixed with “C” for Cymru) ensures you're assigned the right level of tax-free income.

National Insurance Contributions (NICs)

National Insurance applies equally across the UK, including Wales. In 2024/25, employees pay Class 1 NICs at 8% on earnings between the Primary Threshold and Upper Earnings Limit. These contributions go toward state benefits like pensions and the NHS.

Pension Contributions

Workplace pension contributions are typically deducted from your gross salary before income tax is calculated. This lowers your taxable income and increases long-term retirement savings. The calculator lets you enter your pension percentage so you can see how it affects your take-home pay.

Student Loan Repayments

If you're repaying a student loan, deductions are made automatically through PAYE. You may be on Plan 1, Plan 2, or Postgraduate repayment plans depending on when and where you studied. Repayments are calculated as a percentage of your earnings above specific thresholds.

Tax Codes

Your tax code determines your eligibility for the personal allowance and may include adjustments for benefits-in-kind or second jobs. Codes in Wales often begin with “C”, such as C1257L or CBR. Using the correct code ensures accurate tax calculation through your employer's payroll.

Use this calculator to understand your expected take-home pay in Wales for the 2024/25 tax year. It helps with budgeting, financial planning, and comparing job offers by breaking down deductions clearly.