UK Take-Home Pay Calculator
This take-home pay calculator estimates your UK net salary after Income Tax and National Insurance, using current HMRC bands and thresholds. Enter your gross salary, how often you're paid, and any pension contribution taken by salary sacrifice, to see exactly what lands in your account.
Your salary before Income Tax, National Insurance or pension contributions.
How often you're paid — the annual total stays the same either way.
Percent of salary paid into your pension before tax and National Insurance.
Take-home pay per period
सेव करने के लिए लॉग इन करें$2,827
What lands in your account each pay period, after Income Tax, National Insurance and your pension contribution.
Frequently asked questions
Is this exact?+
No — treat it as a planning estimate. It uses current HMRC Income Tax and National Insurance figures for England, Wales and Northern Ireland, but doesn't include student loan repayments, benefits-in-kind, or Scottish tax bands. For a final figure, check your payslip.
Why does my Personal Allowance disappear as I earn more?+
Between £100,000 and £125,140 of income, the £12,570 Personal Allowance is reduced by £1 for every £2 earned above £100,000, reaching £0 at £125,140 — this is what produces the well-known ~60% effective marginal rate in that band.
Should I enter my pension contribution here?+
Only if it's a salary-sacrifice (or 'net pay') pension deducted before tax and National Insurance are calculated. A relief-at-source pension, paid from your take-home pay with tax relief added afterwards, isn't modelled by this field.
Does this apply to Scotland?+
No — Scotland has its own Income Tax bands, set separately from the rest of the UK. National Insurance is unaffected and still applies as shown here, but the Income Tax figure will be wrong for a Scottish taxpayer.
