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Take-Home Pay Calculator

Take-home pay is the number that matters for rent, mortgages and budgets. We've pre-filled a 5% pension contribution, which is common under auto-enrolment. Change or remove it to match your own payslip.

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

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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.

What comes out of your pay

Four deductions account for almost every UK payslip: Income Tax, National Insurance, workplace pension and student loan. Some people also have deductions for things like cycle schemes, share plans or union fees, which you can add under 'Other deductions'.

Budgeting with monthly figures

Monthly results assume twelve equal payments. If you're paid four-weekly you'll receive thirteen payments a year, so each is slightly lower than our monthly figure.

Understanding your take home pay calculator result

Take-home pay is gross income less the deductions selected in the form. The result is most useful when pension, student loan and other recurring deductions match your own arrangements.

Building a monthly household budget

Scenario: Enter annual pay and add your workplace pension and student loan plan. Select the monthly result column.

How to use the result: Use the net monthly amount as the regular income in your budget. Keep one-off bonuses separate so they do not make an ordinary month look more affordable than it is.

Details to check before relying on the estimate

  • Four-weekly pay produces 13 payments, not 12 monthly payments.
  • Benefits, court orders and payroll adjustments may create extra deductions.
  • Use the result as an annual estimate rather than a payslip guarantee.

Putting the estimate into perspective

Build an ordinary-month budget from regular pay, then keep a separate allowance for variable income. A full-year average that includes a bonus is not necessarily cash available in every month.

Frequently asked questions

What is my take-home pay on £60,000?

For 2026/27 in England, with the standard Personal Allowance and no pension or student loan, £60,000 gives £45,357.40 a year after estimated Income Tax and NI. A 5% pension reduces that further but earns tax relief.

Check it on GOV.UK: Repaying your student loan (opens GOV.UK in a new tab) · Tax on your private pension (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 is my take-home pay lower than the calculator shows?

Common reasons are workplace pension contributions, a student loan, a different tax code, benefits collected through payroll, or voluntary deductions such as a cycle-to-work scheme. Add the ones that apply in the advanced options.

Check it on GOV.UK: Repaying your student loan (opens GOV.UK in a new tab) · Tax on your private pension (opens GOV.UK in a new tab)

Is take-home pay the same as net pay?

In everyday use, yes. Both describe what reaches your bank account after PAYE deductions. Payslips usually call it net pay.

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.
  • Pension Tax Relief — How pension tax relief works in the UK, the difference between net pay and relief at source, and how higher-rate taxpayers claim extra relief.
  • Student Loan Repayments Explained — 2026/27 student loan repayment thresholds for every plan, how repayments are collected, and whether overpaying makes sense.