Take-Home Pay Calculator
Estimate your UK take-home pay after tax, National Insurance, pension contributions, and student loan repayments.
How This Take-Home Pay Calculator Works
This tool estimates your net salary based on UK income tax bands, National Insurance contributions, student loan repayment plans, and optional pension or salary sacrifice deductions. Simply enter your gross pay, choose how often you're paid, and the calculator breaks everything down — annually, monthly, weekly, daily and hourly.
Key Features:
- Supports salary sacrifice, tax code adjustments, and all student loan plans (1, 2, 4, 5, Postgrad)
- Breakdown includes tax, NI, pension, and student loan repayments
- Visual pie chart showing where your money goes
Frequently Asked Questions
What is take-home pay?
Your take-home pay is the amount you receive after income tax, National Insurance, and other deductions such as pensions or student loan repayments are removed from your gross salary.
What tax code should I use?
If you're unsure, use 1257L — the standard UK tax code for most employees in the 2025/26 tax year. Your tax code affects your Personal Allowance.
How does salary sacrifice affect take-home pay?
Salary sacrifice reduces your gross taxable salary by the amount you contribute to your pension, meaning you pay less income tax and NI — but your take-home may still drop slightly due to lower overall income.
How accurate is this calculator?
It uses the latest 2025/26 tax bands and thresholds to give a solid estimate. It’s not a substitute for professional financial advice or official HMRC calculations, especially if you have multiple income sources or complex benefits.