Take-Home Pay Calculator
Enter your salary to see a breakdown of income tax, National Insurance, pension contributions, and student loan repayments — and what you actually take home.
Understanding your take-home pay is essential for budgeting and financial planning. This calculator shows you exactly what lands in your bank account after all deductions.
Enter your salary and we will calculate your income tax, National Insurance, pension contributions, and student loan repayments to give you a clear picture of your monthly and annual take-home pay.
More Income and work calculators · All calculators · All guides
What this calculator does
This calculator breaks down your gross salary into all the key deductions — income tax across each band, National Insurance contributions, pension deductions, and student loan repayments — to show your actual take-home pay.
Who it is for
Anyone who wants to understand their pay better, whether you are starting a new job, negotiating a salary, or simply checking your payslip is correct.
How to use it
Enter your annual gross salary, pension contribution percentage, student loan plan type, and any bonus or salary sacrifice amounts. Click 'See My Result' for a full breakdown.
How the calculation works
Income tax is calculated using the 2025/26 UK tax bands: 0% on the personal allowance (£12,570), 20% basic rate, 40% higher rate, and 45% additional rate. National Insurance is 8% on earnings between £12,570 and £50,270, then 2% above that. Pension and student loan deductions are applied based on your selections.
Worked example
On a £40,000 salary with 5% pension and no student loan: Pension = £2,000. Taxable income = £38,000. Tax = £5,086. NI = £2,190. Take-home = £30,724 per year (£2,560/month).
Assumptions and limitations
- Uses 2025/26 UK tax rates and thresholds
- Assumes standard tax code (1257L)
- National Insurance at standard employee rates
- Does not account for Scottish tax rates (PAYE operates differently in Scotland)
- Salary sacrifice reduces gross pay before tax calculations
- This is an estimate — your actual pay may differ based on your specific circumstances
Frequently asked questions
What is my take-home pay on a £30,000 salary?
On £30,000 with no pension or student loan, your estimated take-home is approximately £24,438 per year (£2,037/month) after income tax and National Insurance.
How does pension affect my take-home pay?
Pension contributions reduce your taxable income, so you pay less tax. A 5% pension contribution on £40,000 reduces your tax bill by around £400 per year, though you also contribute £2,000 to your pension.
What is the 2025/26 personal allowance?
The personal allowance is £12,570 — you do not pay income tax on the first £12,570 of your earnings. It reduces by £1 for every £2 earned above £100,000.
Related calculators
- Car Salary Sacrifice Calculator — Car salary sacrifice gives up salary in exchange for a company car. You save Income Tax and NI on the sacrifice but pay BIK on the company c
- Day Rate Calculator — Enter your annual salary, hourly rate, or target income to calculate your equivalent day rate — or convert a day rate back to an annual figu
- EV Salary Sacrifice Calculator — EV salary sacrifice is highly tax-efficient because the EV Benefit in Kind percentage is just 4% for 2026/27. Income Tax + NI savings on the
- Full-Time Equivalent Salary Calculator — Use this full-time equivalent salary calculator to scale a part-time salary up to its full-time equivalent (FTE). FTE = part-time salary × f
- Holiday Accrual Calculator — Enter your annual entitlement and leave year dates to see how many days you have accrued so far and how many remain.
- Holiday Entitlement Calculator — Full-time UK workers are entitled to at least 28 days (5.6 weeks) of paid holiday per year including bank holidays. Part-time and irregular
Related guides
- How to Calculate Your Freelance Day Rate — A practical guide to setting your day rate as a freelancer or contractor, including salary equivalence and market benchmarks.
- How Overtime Pay Works in the UK — Understand your overtime pay rights, how it is taxed, and how different multipliers affect your earnings.
- How Holiday Accrual Is Calculated in the UK — Learn how holiday builds up over a leave year and how to check how much you have accrued so far.
- Inside IR35 Explained: What UK Contractors Need to Know — A clear guide to working inside IR35, how it affects your take-home pay, and what it means for your contract.
- How Holiday Entitlement Works in the UK — A practical guide to understanding your statutory holiday entitlement as a UK worker, covering full-time, part-time, and irregular working patterns.
- Outside IR35 Explained for UK Contractors — What outside IR35 means, how it affects your take-home pay, and the key differences between inside and outside IR35.
Sources and references
HMRC Income Tax rates 2025/26 (https://www.gov.uk/income-tax-rates), National Insurance rates (https://www.gov.uk/national-insurance-rates-letters)
Last updated
Last reviewed: 2025-04-06.