UK Take-Home Pay Calculator
This take-home pay calculator estimates your UK net salary after Income Tax and National Insurance, using current HMRC bands and thresholds. Enter your gross salary, how often you're paid, and any pension contribution taken by salary sacrifice, to see exactly what lands in your account.
Your salary before Income Tax, National Insurance or pension contributions.
How often you're paid — the annual total stays the same either way.
Percent of salary paid into your pension before tax and National Insurance.
Take-home pay per period
£2,288
What lands in your account each pay period, after Income Tax, National Insurance and your pension contribution.
How to use this uk take-home pay calculator
- 1Annual gross salary: your salary before any deductions.
- 2Pay frequency: weekly, every 4 weeks, monthly or annually — changes the per-period split, not the annual totals.
- 3Pension contribution: enter it here only if it's taken by salary sacrifice, before tax and National Insurance — a pension paid from your net pay isn't modelled here.
Understanding your results
Take-home pay per period is what actually reaches your account. Income Tax is calculated on your taxable income (gross minus any salary-sacrifice pension contribution) using your Personal Allowance and the basic, higher and additional rate bands — the Personal Allowance itself shrinks once total income passes £100,000. National Insurance is a separate payroll tax: 0% up to the Primary Threshold, 8% up to the Upper Earnings Limit, then 2% above that.
The formula
Take-home = Gross − Income Tax − National Insurance − Pension contributionIncome Tax uses HMRC's progressive bands: 0% up to your Personal Allowance (£12,570, tapering to £0 between £100,000 and £125,140 of income), 20% on the next £37,700, 40% on the next £74,870, and 45% above that. National Insurance is calculated separately on the same taxable income: 0% up to the Primary Threshold, 8% between the Primary Threshold and the Upper Earnings Limit, and 2% above it. A salary-sacrifice pension contribution comes off your gross pay before either calculation runs, which is why it costs less in take-home pay than the contribution amount itself.
A worked example
A £35,000 salary paid monthly with a 5% salary-sacrifice pension: taxable income is £33,250 after the £1,750 pension contribution. Income Tax comes to about £4,136 (20% on the amount above the £12,570 Personal Allowance), and National Insurance to about £1,654 (8% on the amount above the Primary Threshold). Take-home pay lands around £27,460 a year, or roughly £2,288 a month — with £1,750 a year going into the pension on top of that.
Notes for the UK, US and India
This calculator uses England, Wales and Northern Ireland Income Tax bands — Scotland sets its own non-savings income tax bands and isn't modelled here. It covers Income Tax and Class 1 employee National Insurance only, using current HMRC figures; it doesn't include student loan repayments, benefit-in-kind adjustments, or other payroll deductions.
Frequently asked questions
Is this exact?+
No — treat it as a planning estimate. It uses current HMRC Income Tax and National Insurance figures for England, Wales and Northern Ireland, but doesn't include student loan repayments, benefits-in-kind, or Scottish tax bands. For a final figure, check your payslip.
Why does my Personal Allowance disappear as I earn more?+
Between £100,000 and £125,140 of income, the £12,570 Personal Allowance is reduced by £1 for every £2 earned above £100,000, reaching £0 at £125,140 — this is what produces the well-known ~60% effective marginal rate in that band.
Should I enter my pension contribution here?+
Only if it's a salary-sacrifice (or 'net pay') pension deducted before tax and National Insurance are calculated. A relief-at-source pension, paid from your take-home pay with tax relief added afterwards, isn't modelled by this field.
Does this apply to Scotland?+
No — Scotland has its own Income Tax bands, set separately from the rest of the UK. National Insurance is unaffected and still applies as shown here, but the Income Tax figure will be wrong for a Scottish taxpayer.
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