Take-home pay calculator
See your annual and monthly take-home pay after income tax, National Insurance, pension contributions and student loan repayments.
Your take-home pay
Change the numbers, the results update instantly.
Pension contributions are assumed to reduce taxable income (salary sacrifice or net pay with relief applied). Always take advice before acting.
How it works
Your pension contribution comes off your gross salary first, then income tax and National Insurance are calculated on the reduced amount, with the personal allowance taper applied above £100,000 of income. Student loan repayments are calculated separately, at 9% (6% for postgraduate loans) of income above your plan's threshold, and do not reduce your taxable income. Getting all of this right on the payslip is what our payroll service is for.
Frequently asked questions
Why does my pension contribution reduce my tax?
This calculator assumes contributions are taken before tax, as with salary sacrifice or a net pay pension scheme, so income tax and NI are calculated on the lower amount.
Which student loan plan am I on?
It depends on when and where you studied. Check your loan statement or the Student Loans Company if you're not sure, the thresholds differ significantly between plans.
Does this include benefits in kind?
No, this tool covers salary, pension and student loan only. Benefits in kind such as a company car are taxed separately and not included here.
Is this the same as the salary and dividend calculator?
No, that tool is for limited company directors mixing salary and dividends. This one is a straight employee salary calculation.
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These results are a simplified illustration based on 2026/27 rates, not advice. Your real position depends on your full circumstances. For a personalised answer, book a free consultation.
Numbers looking complicated?
A calculator gives you an estimate. A free call gives you a plan. Book one and we'll work through your actual situation.