Find out what you'll actually take home. Enter an hourly rate or an annual salary and this free calculator works out Income Tax, National Insurance and any pension or student-loan deductions. Everything stays in your browser.

Pay type

Rate (£ per hour)

Hours per week

Weeks per year

Pension contribution (%)

Salary-sacrifice estimate. 0 if none.

Student loan

£0

estimated take-home per year

£0per month

£0per week

£0per hour worked

Estimate for the 2025/26 tax year, England, Wales & Northern Ireland (Scottish Income Tax bands differ — NI & student loans are the same). Personal Allowance £12,570 and tax thresholds are frozen to April 2028. This is an estimate, not financial advice — your payslip may differ (tax code, benefits, exact pension scheme). Rates editable in the page source.

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How your take-home pay is worked out

Pension (salary sacrifice) is taken off first, reducing taxable pay.
Income Tax: 0% on the first £12,570, 20% to £50,270, 40% to £125,140, 45% above.
National Insurance: 8% between £12,570 and £50,270, 2% above.
Student loan (if any): 9% above your plan's threshold (6% for Plan 5/postgrad).