UK Take-Home Pay Calculator
Income Tax, NI, pension & student loan — England, Wales, Scotland
Your gross salary and your take-home pay are two different numbers — sometimes very different. This tool calculates your exact after-tax income including National Insurance, pension contributions, student loan deductions, and salary sacrifice — and shows you how the 2025/26 and 2026/27 tax years compare.
Your Salary
£
%
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Advanced options — tax code, salary sacrifice, employer pension
💡 Most people are on tax code 1257L and don't need to change anything here. Only adjust these if you know your specific situation differs.
£
%
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PAYE employees only. This calculator covers standard employment income, salary sacrifice, and student loans. If you're self-employed, a sole trader, or a limited company director, your tax works differently — you pay Class 4 NI (not Class 1), and your taxable income is profit after business expenses, not gross income. For bonuses: enter your total annual gross including bonus to see the full-year picture; or compare two calculations (base only vs base + bonus) to isolate the tax cost of the bonus.
Monthly Take-Home
£0
Annual Take-Home
£0
£0Income Tax
£0National Insurance
£0Your Pension
0%Effective Tax Rate
£0/hrEffective Hourly Rate
£0/dayEffective Daily Rate
£0Total Employer Cost
£0Employer NI (13.8%)
Full Pay Breakdown
| Deduction | Weekly | 4-Weekly | Monthly | Annual |
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Tax Band Breakdown
Salary Breakdown
💼Your total employment cost to your employer: calculating...