Money & Salary
UK Salary Calculator
Estimate your take-home pay over a full year with your own income tax and National Insurance rates, your pension and other deductions. Official tax-year rules are still being checked.
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Your take-home pay
Your take-home pops up here
Enter your pay, then hit Calculate take-home.
Your take-home pay per month
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Custom rates mode: worked out with the rates you entered.
Take-home by period
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An estimate, not tax advice. Your payslip can differ: tax, National Insurance and loan repayments are worked out each pay period with your tax code.
How it’s calculated
Over a full tax year at full precision; each amount is rounded to pence once, and take-home is what’s left.
- Yearly pay
- Pay × 1 (year), × 12 (month), × 52 (week) or × hours per week × 52 (hour).
- UK tax rules: income tax
- Your personal allowance comes off first. Above the income limit set for the tax year it is reduced as HMRC sets out, down to nothing. The rest is taxed band by band at the rates for where you live: Scotland has its own bands, and England, Wales and Northern Ireland use the bands set for them.
- UK tax rules: National Insurance and loans
- Employee Class 1 National Insurance for category A: nothing below the primary threshold, the main rate up to the upper earnings limit, the upper rate above it. Student loans: the plan rate on pay above your plan’s threshold, and the Postgraduate Loan rate above its threshold, both from pay before deductions.
- Pension
- Your pension percentage of yearly pay. Salary sacrifice comes off before income tax, National Insurance and loans; a net pay arrangement comes off before income tax only. Relief at source isn’t modelled.
- Custom rates mode
- Pension = yearly pay × pension %. Income tax = (yearly pay − pension) × your tax rate. National Insurance = (yearly pay − pension) × your NI rate. No allowance, bands or thresholds are used.
- Other deductions and take-home
- Other deductions × 12, 1 or 52 by their period. Take-home = yearly pay − pension − income tax − National Insurance − loans − other deductions, never below 0.
- What this doesn’t include
- Tax codes other than the standard allowance, other National Insurance categories, benefits in kind, bonuses taxed in one pay period, other income, more than one job, Marriage Allowance, Blind Person’s Allowance, relief-at-source pensions, self-employment and dividends. This is an estimate, not tax advice.
Questions
Which tax year does it use?
UK tax rules mode names the tax year and the date its figures were checked with every result. It uses one tax year’s personal allowance, income tax bands, National Insurance thresholds and student loan thresholds, taken from GOV.UK and reviewed before release. If no reviewed figures are available, the mode says so and calculates nothing.
Why might my payslip be different?
This is an annual estimate. Payslips are worked out pay period by pay period with your tax code, so tax, National Insurance and loan repayments can differ when your pay changes during the year, you have a non-standard tax code, benefits in kind, bonuses, more than one job or a pension paid under relief at source.
How is my pension treated?
With salary sacrifice your contribution comes off before income tax, National Insurance and student loan repayments. With a net pay arrangement it comes off before income tax only. Relief at source isn’t modelled: those contributions are taken from pay after tax, so leave the pension blank and subtract them yourself.
Is this tax advice?
No. It’s an estimate to help you plan. For your actual tax position, check your payslip, your HMRC personal tax account or a qualified adviser.