Know what you really take home.
UK salary calculations without the guesswork. Explore your take-home pay, pension contributions and what a pay rise is actually worth.
Your salary details
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Before tax and other deductions · Annual equivalent used for tax estimates
Assumes 52 paid weeks per year
Leave blank for the standard allowance. Supports common L/T codes and BR/D0/D1/NT. K and Marriage Allowance codes are not yet supported.
Estimates use your tax code if supported, employee National Insurance category A and a salary-sacrifice pension. It estimates full-year income, not exact payslip deductions.
Your take-home pay
Estimated after deductions
Where your salary goes
Is that pay rise worth it?
Compare your current salary with a new offer and see the difference after deductions.
What will you actually get from your bonus?
Choose how and when the bonus is paid. Compare your monthly payslips, not just the annual average.
Forecast assumes salary paid monthly, your supported PAYE code (cumulative unless W1/M1/X), NI category A and 12 months with the same basic pay. Other payroll arrangements may give different results.
| Tax month | Gross salary | Bonus | Income Tax | NI | Student loans | Pension | Take-home |
|---|
Estimated payslips, not exact payroll figures. Income Tax uses a simplified cumulative PAYE model; monthly NI and loan thresholds are applied per pay period. Take-home may vary due to tax codes, payroll rounding, previous employment, pension rules and employer arrangements.
How are these figures calculated?
Based on the 2026/27 UK tax year. Income Tax uses the relevant UK nation’s bands, with Personal Allowance tapering above £100,000. Employee National Insurance is estimated at 8% between £12,570 and £50,270 and 2% above that. Loan thresholds follow the selected tax year where published.
Salary sacrifice is deducted before taxable and NI earnings are estimated. Employer pension contributions, other pension schemes, benefits in kind, unsupported tax-code adjustments, additional income beyond the optional bonus, unusual NI categories and exact payroll rounding are not modelled.
2027/28 forecast: Main UK employment Income Tax rates and bands are published, but Scottish bands and some loan thresholds are carried forward from 2026/27 until confirmed. Review before relying on these estimates.
Sources: Income Tax · Scottish Income Tax · National Insurance · Student loans · Tax codes · 2027/28 rates