Skip to content
Tax CalculatorUK
Calculate

Monthly Salary Calculator UK

If your offer letter or payslip quotes a monthly figure, enter it directly. We'll annualise it, apply the 2026/27 bands and bring the results back to a monthly view.

Tax year 2026/27 · Estimates, not personal tax advice

£
Pay frequency

Your results

Enter your salary to see take-home pay by year, month, week, day and hour.

Using 2026/27 rates (6 April 2026 to 5 April 2027). Nothing you enter is stored or sent anywhere.

Rates and rules used

Tax year 2026/27

Default year 2026/27 (6 April to 5 April). 2025/26 and 2024/25 figures are kept for comparison where the calculator offers a year choice.

Independent site, not affiliated with HMRC. Always check GOV.UK for the latest figures.

How this calculation works

  1. 01Start with your gross income and convert it to an annual figure.
  2. 02Take off salary sacrifice and net pay pension contributions.
  3. 03Apply your Personal Allowance, tapered above £100,000 or set by your tax code.
  4. 04Calculate Income Tax band by band using rates for your region.
  5. 05Calculate employee National Insurance on earnings after salary sacrifice.
  6. 06Deduct relief at source pension contributions at 80% of the gross amount.
  7. 07Apply student and postgraduate loan repayments above each threshold.
  8. 08Subtract everything to reach estimated net pay, then split it by period.

Real payroll can differ because tax and NI are worked out per pay period, and your tax code may include adjustments HMRC hasn't told you about. See our methodology.

Monthly pay and the tax year

The tax year runs from 6 April to 5 April. Monthly payroll splits your allowance and bands into twelve parts, so a standard 1257L code gives £1,047.50 of tax-free pay each month.

Understanding your monthly salary calculator result

The calculator annualises the gross monthly amount, applies annual tax rules and divides the result into twelve equal monthly averages. It is suited to contracts and job adverts that quote pay by month.

Checking a monthly job offer

Scenario: Enter the gross monthly figure from the offer and add the pension and student loan details you expect to use.

How to use the result: Compare the calculated monthly net pay with your fixed outgoings. The annual column shows the full-year cost of each deduction and avoids judging an offer from one payslip.

Details to check before relying on the estimate

  • Do not use this mode for four-weekly pay.
  • A partial first or final month will not match a twelve-month average.
  • Enter recurring allowances only if they are taxable pay.

Putting the estimate into perspective

For a new role, separate the expected first payment from an ordinary full month. Starting partway through a month can make the first payslip a poor guide to the regular amount.

Frequently asked questions

What is £3,000 a month after tax?

£3,000 a month is £36,000 a year. In England with a standard code, that leaves roughly £2,450 a month after Income Tax and NI.

Check it on GOV.UK: National Insurance rates and category letters (opens GOV.UK in a new tab) · Income Tax rates and allowances (opens GOV.UK in a new tab)

Why might my payslip differ from this estimate?

Payroll works period by period, so your tax code, the month you started, bonuses and any underpayments being collected all change the figure on a given payslip. Over a full year with a standard tax code, the totals usually land close to our annual estimate.

Check it on GOV.UK: Tax codes (opens GOV.UK in a new tab)

Why does my monthly pay change from month to month?

National Insurance is calculated per pay period and tax-code changes, bonuses, overtime or underpayment collections can move a single month up or down. Our figure is the annual result divided by twelve.

Check it on GOV.UK: National Insurance rates and category letters (opens GOV.UK in a new tab)

Is my monthly salary the gross or net amount?

Enter the gross figure, which is what your contract states before deductions. The calculator then shows the net amount you can expect each month.

Check it on GOV.UK: Income Tax rates and allowances (opens GOV.UK in a new tab) · National Insurance rates and category letters (opens GOV.UK in a new tab)

Related calculators

Related guides

  • How to Read a UK Payslip — Understand every line on a UK payslip: gross pay, tax code, NI letter, pension, student loan, year-to-date figures and net pay.
  • How PAYE Tax Works — A plain-English explanation of PAYE: how employers deduct tax, what cumulative coding means, and why your payslip changes month to month.