Tools / Take-home pay calculator
Take-home pay calculator

What you actually take home

Your pay after income tax, National Insurance, student loan and pension, worked out the way payroll does it, month by month. Includes your tax code, a bonus month, what changes after the tax year ends, and what a pay rise or a new job is really worth.

Your pay
£
£
Your pension
Your payslip or scheme guide says which. Salary sacrifice shows as a lower salary rather than a pension deduction.
Including any tax relief: on relief at source, 5% means 4% from your pay and 1% added by the government.
Worked out on
Many auto-enrolment schemes only count pay between £6,240 and £50,270 a year.
% of pay
On the same pay as your contribution. It doesn't change your take-home, but it's part of what you earn.
Tax code and benefits (optional)
From your payslip, like 1257L, S1257L, BR or 1257L M1. With a code, you see what payroll will take, and what's settled after the tax year if it's wrong.
£
Company car, private medical insurance. They're taxed through your tax code but never paid to you.
£
Cycle to work, an electric car or bought holiday, if they come off your salary.
Also affected (optional)
Children: how many get Child Benefit. The charge goes on the higher earner in a couple, so enter them only if that's you.
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Your take-home pay

Take-home
Income tax
National Insurance
Into your pension

Your payslip

Where your pay goes

  • Take-home
  • Pension
  • Income tax and charges
  • NI and student loan

What your next £1 is worth

of each extra £1 is yours

    How much of each extra £1 you'd keep, at every salary

    Where to go from here

    What the numbers don't show

    • Your first payslip in a new job can be on an emergency tax code until HMRC catches up. You get any overpaid tax back once the right code arrives.
    • Payroll doesn't know about your other income. Rental income, savings interest above your allowance, dividends and self-employment are taxed separately, usually through self-assessment.
    • Higher-rate pension relief isn't automatic on relief at source. You have to claim it, and plenty of people don't.
    • Plan 1 and Plan 2 student loans are deducted each pay period, so a bonus month can take a repayment even if your yearly pay is under the threshold. You can ask for that back.
    • Company directors pay National Insurance on the year rather than each pay period, so a bonus doesn't save them NI the way it does here.

    These figures are an illustration, not financial advice. They use 2026/27 rates, for England, Wales and Northern Ireland or for Scotland. National Insurance and student loans are worked out for each pay period, with any bonus paid in one period. Income tax is cumulative, shared out as if the bonus came after the first period; emergency codes (M1, W1, X) are worked out period by period. With no tax code, we assume HMRC has given you the right one for your pay and benefits. Tax codes use the code number times ten as tax-free pay. "What you keep" includes higher-rate pension relief claimed back, any tax settled after the year because your code was wrong, the Child Benefit charge (£60,000 to £80,000 of adjusted net income) and childcare support lost above £100,000. Employer NI is 15% above £5,000 a year. Other income and the tapered pension annual allowance aren't included.