Illustrative estimates only
PayPrecision provides indicative results for information purposes. It may not include all deductions (e.g. student loans, benefits-in-kind, adjustments).
Always verify using official payslip/tax information.
National Insurance explained (2025/26)
National Insurance (NI) is separate from Income Tax. It’s usually deducted through PAYE and contributes to things like the NHS and State Pension.
Even if two salaries fall into the same tax band, NI can still change your take-home pay — especially above key thresholds.
Use the calculator above for an estimate, then switch to True Wage to factor in commute time, costs and unpaid overtime.
How employee NI works (simplified)
- Below the NI threshold: you typically pay no employee NI.
- Main rate: a percentage applies to earnings within the main NI band.
- Upper rate: a lower percentage applies above the upper earnings limit.
NI depends on your situation
NI can vary by category, pay frequency, and certain benefits. PayPrecision provides illustrative estimates designed for clarity and speed.
Why NI matters for “true” take-home pay
Most people focus on Income Tax, but NI is another major deduction. Once you add real-world costs (commuting, lunches/coffee, tools, unpaid overtime),
your real hourly pay can be meaningfully different — that’s the point of True Wage.
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