Take-home salary
Estimate how much of your salary you may take home after income tax and National Insurance. Figures are estimates based on standard UK tax rules.
More details (optional)
Assumptions: England tax region, standard personal allowance, current-ish UK bands. No bonuses, benefits, salary sacrifice, or tax code overrides included.
Results
These are estimates based on your inputs.
Breakdown shown annually. All figures are estimates.
How this calculator works
We estimate income tax and National Insurance using standard UK rules and subtract them (plus optional pension and student loan estimates) from your annual salary.
This calculator provides a guide only and does not replace a payslip.
What this calculator does
This take-home salary calculator estimates your net pay after income tax, National Insurance, and optional pension or student loan deductions. It provides a quick view of what your annual, monthly, or weekly take-home might look like.
It is a guide for planning budgets or comparing roles, not a substitute for a payslip or employer payroll.
How the formula works
We apply standard UK tax bands and National Insurance thresholds to your annual salary. Any pension contribution (percentage of gross) and optional student loan repayment are then deducted to estimate net pay.
The calculator assumes a standard tax code and the England tax region, with no bonuses, benefits, or salary sacrifice schemes included.
Worked example
Example: a salary of £45,000 with no pension contribution. The calculator estimates income tax and National Insurance, producing a take-home pay around £2,900 per month. If you add a 5% pension contribution, net pay falls but pension savings increase.
Small changes in salary near tax thresholds can change the net pay more than expected.
Common mistakes
- Assuming the result matches your exact payslip.
- Forgetting employer pension contributions are separate.
- Ignoring benefits in kind or salary sacrifice schemes.
- Using the wrong tax region or year.
When to use this calculator
Use this when comparing job offers, budgeting for a mortgage, or planning savings. If you need to estimate borrowing limits, use the Mortgage affordability calculator after you have a net salary estimate.
FAQs
Is this accurate for Scotland or Wales?
This version assumes England tax bands. Scotland and Wales have different rates, so results will vary.
Does it include bonuses?
No. Bonuses and benefits are not included. Add them to salary for a rough estimate.
What about salary sacrifice pensions?
This calculator treats pension as a simple percentage deduction. Salary sacrifice can change tax and NI, so consider the result an approximation.