Take-Home Salary Calculator

Estimate your net annual and monthly pay using UK income tax, National Insurance, and pension assumptions.

Your details

Calculations use tax year assumptions for employed income in England, Wales, Northern Ireland, or Scotland (when selected). Student loan repayments are not included — use the Student Loan Repayment Planner. Results are for illustration only and do not constitute regulated financial, tax or investment advice.

Net monthly

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Net weekly

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Net annual

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Breakdown

Description Monthly

How this calculator works

Enter gross annual salary and pension contribution (percentage of salary or qualifying earnings). The tool applies current Income Tax and National Insurance bands and shows net annual and monthly pay.

Who this is for

Employed workers in the UK comparing job offers, pay rises, or pension sacrifice. For student loan deductions, use the student loan repayment planner. For household budgeting, try the budget planner.

Assumptions

Standard tax code, no benefits in kind, no student loans, and no other payroll deductions. Scottish rates apply when selected. See on-page tax year label for the version in use.

Frequently asked questions

How do I calculate take-home pay in the UK?

Enter gross salary and pension contribution. Income Tax and NI are deducted using current bands.

Does this include Scottish tax rates?

Yes — toggle Scottish rates for Scottish Income Tax bands. Otherwise standard UK bands apply.

Are student loan repayments included?

No. Use the student loan planner for income-contingent repayments.

Which tax year does this use?

The tax year shown on the page. Confirm against HMRC when planning across April boundaries.

Important: Figures are indicative estimates based on the information you enter. Tax codes, benefits, student loans, and other payroll items are not fully modelled. This tool is for planning and illustration only and does not constitute regulated financial, tax or investment advice.