UK take-home salary calculator
See your pay after income tax, NI, pension and student loans. Adjust the values to explore your numbers.
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How to calculate UK take-home salary
Tax year 2026/27: 6 April 2026–5 April 2027. Annual estimate, divided by 12 or 52 for monthly/weekly equivalents. Assumes the standard £12,570 allowance with the £100,000 taper, one employment, no other income or tax-code adjustments. Pension percentage applies to full basic salary, not bonus or qualifying earnings. Benefits in kind means the annual taxable value supplied by your employer (for example a P11D value), not the benefit's purchase price. Models non-cash benefits subject to income tax but not employee Class 1 NI; cash vouchers and other NI-able benefits need payroll advice. Employer NI/Class 1A is not deducted from your pay. Relief-at-source results include any further income-tax relief claimed from HMRC, so may differ from a payslip. NI and loan deductions use annual thresholds; irregular pay and payroll rounding differ. No pension annual-allowance charge, minimum-wage check, Child Benefit charge or benefit entitlement assessment.
Official rates & guidance
A worked example
With annual gross salary (£) of 50,000, annual cash bonus (£) of 0, gross employee pension (% of salary) of 5, annual taxable benefits in kind (£) of 0, estimated monthly take-home is 3,143.3 GBP. Change the example above to match your situation.
Enter amounts in the same currency and time period. Results display up to two decimal places; calculations use unrounded values. These estimates are for planning and education.
Common questions
Which pension method should I select?
Salary sacrifice lowers cash salary, income tax and employee NI. Net pay reduces income tax but not NI. Relief at source deducts 80% of the gross contribution from net pay; the provider adds 20% and further relief may need claiming. Check your scheme.
Why is my payslip different?
Tax codes, other income, uneven bonuses, pay-period thresholds, student-loan rounding and personal circumstances can change deductions. The monthly figure is one twelfth of an annual estimate, not an exact PAYE calculation.