Salary Calculator

Work out what actually lands in your account — Income Tax, National Insurance, pension and student loan, all accounted for.

Your income

£

Scotland has different Income Tax bands; National Insurance is the same everywhere.

Add pension, student loan & more (optional)
%

We assume this comes out of your pay before Income Tax is worked out (a "net pay arrangement"); the usual setup for workplace pensions.

You usually stop paying National Insurance once you're over State Pension age.

Take-home pay per year
£0

£0/month · £0/week

Gross salary £0
Income Tax £0
National Insurance £0

How this is worked out

Income Tax is calculated after your Personal Allowance and any pension contribution (which comes off your pay before tax, under the standard "net pay arrangement"). National Insurance and student loan repayments are calculated on your full gross salary, in line with how PAYE actually applies them. If your income is above £100,000, your Personal Allowance is gradually reduced; this calculator applies that automatically.

What this doesn't include

  • Your specific tax code. This assumes the standard Personal Allowance: an unusual tax code (from company benefits, previous underpayments, or other adjustments) will change your actual figure.
  • Salary sacrifice pensions. This assumes a standard net pay arrangement. Salary sacrifice also reduces your National Insurance, which isn't modelled here.
  • Other deductions like company benefits, childcare vouchers, or court-ordered deductions.

For how tax codes and payslips work more broadly, see our Payslips & tax, actually explainer.

This calculator gives an estimate based on published 2026/27 rates and standard assumptions; it isn't a substitute for your actual payslip or a formal calculation from HMRC. Figures can change at future Budgets. For guidance specific to your situation, an accountant or tax adviser can help.