Estimate your take-home pay from an annual salary after Income Tax, National Insurance, pension contributions and student loan repayments. This UK salary calculator gives a clear gross-to-net breakdown for PAYE employees.
Enter your annual gross salary, tax year, region, pension percentage, student loan plan and working hours below. The calculator will estimate your take-home pay after common PAYE deductions.
Estimate only. PAYE employees only. Excludes bonuses, benefits, and non-PAYE income.
This tool helps estimate how much of your gross salary you may keep after PAYE deductions such as Income Tax, National Insurance, pension contributions and student loan repayments.
The calculator does not cover every payroll situation, such as bonuses, taxable benefits, multiple jobs, emergency tax codes, Scottish income tax bands, company cars or complex salary sacrifice arrangements.
This salary to net calculator estimates your take-home pay by starting with your annual gross salary and then applying common UK payroll deductions. It is designed for employees who are paid through PAYE.
The calculator estimates Income Tax and employee National Insurance based on the details entered. It can also include pension contributions and student loan repayments where these apply to your circumstances.
The result gives a broad gross-to-net salary breakdown, helping you see how your annual salary may translate into monthly, weekly, daily and hourly take-home pay.
The calculator is intended for employees paid through PAYE. It is not designed for self-employed profits, dividends, rental income, investment income or company director salary and dividend planning.
Where no tax code is entered, the calculator uses a standard personal allowance-style assumption. Actual payroll deductions may differ if your employer uses a different tax code or HMRC has adjusted your code.
Pension contributions are treated as salary sacrifice in this estimate. Real payslip results can vary depending on your employer’s pension scheme and how contributions are deducted through payroll.
Student loan repayments are estimated based on the plan selected. The actual deduction can vary depending on payroll timing, income level, loan plan and employer reporting.
The table below explains the main figures you may see when using the calculator. The exact result depends on your salary, tax year, pension percentage, student loan plan and working hours.
| Item | What it means |
|---|---|
| Gross annual salary | Your salary before Income Tax, National Insurance and other deductions. |
| Income Tax | The estimated PAYE tax due on your taxable employment income. |
| National Insurance | The estimated employee National Insurance deducted from your pay. |
| Pension contribution | The estimated pension deduction based on the percentage you enter. |
| Student loan repayment | The estimated student loan deduction based on the repayment plan selected. |
| Estimated take-home pay | The estimated amount left after the deductions included in the calculation. |
Your gross salary is the amount agreed before deductions. Your net salary, often called take-home pay, is the amount you actually receive after payroll deductions have been taken.
The difference is usually made up of Income Tax, National Insurance and any deductions that apply to you, such as pension contributions or student loan repayments. This is why two people on the same annual salary may still have different monthly take-home pay.
Your tax code can change the PAYE result. If your code is not standard, your payslip may show a different net pay figure from this estimate.
Pension contributions can be handled in different ways, including salary sacrifice, relief at source or net pay arrangements. This can affect the final take-home pay result.
Bonuses, benefits in kind, overtime, multiple jobs, unpaid leave and employer-specific deductions can all change your actual payslip.
UK tax rates and payroll thresholds can change. For important decisions, check the latest official guidance and compare the result with your payslip or HMRC account. Useful official references include GOV.UK pages for Income Tax, National Insurance and student loan repayment rules.
This calculator is for general information only and provides an estimate based on simplified PAYE assumptions. It is not tax advice, financial advice or payroll advice. Actual take-home pay can vary depending on your tax code, payroll record, pension scheme, student loan plan, employer deductions, benefits, bonuses, overtime and wider circumstances. Check your payslip or speak to a qualified accountant, tax adviser or payroll professional before making decisions based on the results.
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