Netly Pay
UK salary clarity

Know what your salary really pays.

A clean 2026/27 UK take-home pay calculator for salary decisions. Compare offers, model salary-sacrifice pension contributions and include student loans — without creating an account.

England / Wales / NIScotlandStudent loansSalary sacrificeNo sign-up
Estimated take-home pay
£0
Annual net pay · you keep 0% of gross pay.
Monthly£0
Weekly£0
Per workday£0
Total deducted0%
Where the money goes
Gross pay£0
Salary-sacrifice pension£0
Income Tax£0
Employee National Insurance£0
Student / postgraduate loan£0
Estimated take-home£0
Salary comparison
Current gross
£0
£0/mo
→
Comparison gross
£0
£0/mo
No estimated difference.

Built for the question behind the salary.

The headline number is rarely what matters. Netly focuses on what reaches your bank account and how much a change in gross pay may actually be worth.

Compare offers

Put two salaries side by side and see the estimated monthly and annual take-home difference.

Include real deductions

Model standard PAYE, employee NI, student loans and salary-sacrifice pension contributions.

Convert day rates

Use the separate day-rate tool to compare contracting-style rates with annual salary equivalents.