Wales Take Home Pay Calculator 2025/26
Resident in Scotland? Try the Scottish version โ
How this Wales take home pay calculator works
This tool estimates your net salary in Wales for the 2025/26 UK tax year. It starts from your gross annual salary and subtracts Welsh income tax, National Insurance, pension contributions and optional student loan repayments to show how much money you actually receive.
The Welsh Government sets different rates of income tax compared to England and Northern Ireland. This calculator focuses on employees who are taxed using the Welsh rates of income tax, which usually apply if your main home is in Wales.
Who is this Welsh salary calculator for?
This calculator is designed for anyone working and paying tax in Wales, including:
- Employees in Cardiff, Swansea, Newport, Wrexham, Bangor and across Wales
- NHS workers employed by NHS Wales
- Teachers working in Welsh schools and colleges
- Retail, hospitality and office staff
- Public sector and private sector employees on PAYE
If your payslip shows Welsh income tax codes (for example codes ending with a C for Cymru / Wales), this calculator is suitable for you.
What affects your take home pay in Wales?
Your net salary depends on several factors:
- Your gross salary before any deductions
- The Welsh income tax rates and bands for the 2025/26 tax year
- National Insurance contributions on your earnings
- Your pension contributions (workplace or personal)
- Any student loan repayments you make (Plan 1, 2, 4, 5 or Postgraduate)
- How often you are paid โ monthly, weekly or other frequencies
Enter your details above and the calculator will show your take home pay per year, month, week and day, along with a clear breakdown of tax, NI, pension and student loan.
Why use a Wales-specific take home pay calculator?
Many UK salary calculators only use the standard income tax rates for England and Northern Ireland. Because Wales has its own tax bands, a Wales-specific calculator is more accurate for Welsh employees and helps you:
- Compare job offers in Wales more precisely
- Understand the difference between gross pay and net pay
- Plan your monthly budget and savings
- Check that your payslip looks reasonable
Use this calculator any time you get a pay rise, change job, move to Wales or adjust your pension contribution to see how your real take home pay changes.