Pay & tax
UK take-home pay calculator
Enter your salary, tax code and any bonus, overtime, pension or student loan details to see your take-home pay per day, week, month and year.
How it works
Your take-home pay starts with your gross pay — salary plus any bonus or overtime — then subtracts pension contributions and salary sacrifice before Income Tax and National Insurance are worked out, then Income Tax, National Insurance and student loan repayments. What is left is paid into your bank account. Income Tax uses your tax code to work out your tax-free allowance, then charges the basic, higher and additional rates (or Scotland’s six bands, if you live there) on the rest. National Insurance is charged separately, at its own thresholds and rates.
Frequently asked questions
Which tax codes are supported?
Standard L, M, N and T-suffix codes (like 1257L), BR, D0, D1 and NT, and K codes. If you are unsure of your tax code, check a recent payslip or your HMRC personal tax account — 1257L is the most common code for a single job with the standard tax-free allowance.
Why does salary sacrifice change my National Insurance as well as my tax?
Salary sacrifice (used for many pension schemes, cycle to work and childcare schemes) reduces your contractual salary before either Income Tax or National Insurance is calculated, so it lowers both. A pension paid by “net pay arrangement” only reduces Income Tax; “relief at source” pensions are deducted from your pay after both, with basic-rate relief added by the pension provider.
How is Scotland different?
Scotland sets its own Income Tax bands and rates, with six bands instead of three. National Insurance, student loan and other UK-wide rules are the same across the UK.
How are student loan repayments calculated with more than one plan?
Each plan you select is calculated independently on the same income above its own threshold, then added together — this matches how HMRC payroll calculates concurrent Plan and Postgraduate Loan repayments.
How accurate is this calculator?
It uses published Income Tax, National Insurance and student loan rates for the current tax year and calculates National Insurance and student loan on your annual income, which is accurate for a steady salary. A single very large bonus in one pay period can be taxed differently in real payroll than in this annual estimate. This is a planning estimate, not a payslip.
Method: published UK 2026/27 tax year rates. This is an estimate, not tax advice. How our calculators work.