Salary Calculator

How to Use the Take-Home Pay Calculator

This calculator is designed to give you a rough estimate of your take-home pay after tax and other deductions. Please note that these calculations are not guaranteed to be fully accurate, as personal circumstances, tax codes, and other factors can affect your final pay. Use this tool as a general guide only, and speak to HMRC or a qualified tax advisor for official figures.

To get started, enter your annual salary (or the salary you'd like to check) into the salary field at the top. The calculator will estimate your tax and deductions across different time periods, including yearly, monthly, weekly, and daily.

If you're expecting a bonus payment, enter the bonus amount into the bonus box to compare a normal month's pay with a bonus month. This helps you understand how much extra you'll take home after tax on one-off payments.

Want to calculate the value of overtime? Enter the number of overtime hours worked and the pay rate (e.g., 5 hours at 1.5x). Two fields are provided in case you have different overtime rates. For the most accurate estimate, include the number of regular non-overtime hours you work each week.

You can also enter your tax code if you know it. This allows for a more personalised calculation. If you're unsure of your code, leave it blank and the standard default tax code will be used (currently 1257L for 2025/26).

If you make automatic pension contributions, enter the percentage of your salary that goes towards your pension and select the type of pension scheme. This will estimate your post-pension take-home pay.

If you do not pay National Insurance (for example, if you're above State Pension Age), tick the "No NI" box to ensure the calculations reflect this.

If you are repaying a student loan, select the type of loan you have. There are now three repayment plans: Plan 1, Plan 2, and Postgraduate. Tick the correct box based on when your course started and the type of loan you are repaying.

Once all fields are completed, click the "Calculate!" button. The table will show a breakdown of your gross salary, taxable income, tax, National Insurance, student loan repayments, and estimated take-home pay on annual, monthly, weekly, and daily bases.

Disclaimer: These figures are only estimates based on the tax rates and rules in place from April 2025. Individual circumstances can vary greatly, so always check official HMRC sources or speak with a tax professional for precise calculations.