Salary calculator

UK take-home pay calculator.

Estimate what remains after Income Tax, employee National Insurance, optional salary-sacrifice pension and student-loan deductions.

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.

How to use the estimate well

Run a baseline using your current gross salary, then change one assumption at a time. If you are comparing a job offer, keep pension and student-loan settings consistent so the difference is attributable to salary. If your real payslip differs, check the tax code, pay frequency, pension method and NI category before assuming either figure is wrong.

What this salary calculator includes

Netly Pay models the 2026/27 standard Personal Allowance, employment Income Tax for England/Wales/Northern Ireland or Scotland, standard employee Class 1 National Insurance, selected student-loan deductions and an optional salary-sacrifice pension illustration.

Income Tax

Uses taxable-income bands and correctly models the Personal Allowance taper above £100,000.

National Insurance

Annualises the standard monthly employee thresholds. Real NI is calculated by pay period.

Student loans

Supports Plans 1, 2, 4 and 5 plus an optional Postgraduate Loan using 2026/27 thresholds.

Example: £50,000 salary

At £50,000 with no pension or student loan, the standard Personal Allowance shelters the first £12,570 from Income Tax. Taxable income remains mostly within the basic-rate band, with National Insurance calculated separately. Change the inputs above to see the full annual and monthly breakdown for your own scenario.