This calculator is for general information, planning and comparison only. It does not recommend a pension, loan, mortgage, tax arrangement, salary-sacrifice scheme or any other financial product.
UK Pay Calculator
Clear Calculators estimate for UK tax, NI, pension, loans and benefits.
Your Take-Home Pay
Rates loading
Checking the active tax data set.
Validating
Calculation Details
Prepared for printDeductions Breakdown
Payslip View
Income Tax Bands
| Band | Taxed | Rate | Tax |
|---|
Compare an Offer
Scenario B
Take-Home Goal
Monthly
Employer Cost
Annual
Legislation Updates
Ready
Updates only check the tax-data.json file hosted on this site.
What Changed?
Rates
Important Information
UK users
Results can differ from your payslip because employers, payroll systems and HMRC notices can apply timing, rounding, tax-code, pension, benefit and student-loan rules differently.
Rate data is based on public UK tax, National Insurance, student-loan and Scottish Income Tax sources shown above. Hosted sites can refresh from the live tax-data.json file.
Your calculation runs in your browser. Inputs may be saved in this browser for convenience, but they are not sent to a server by this static calculator.
Adverts, sponsored placements or affiliate links should be clearly labelled before you click. Calculator results should not be influenced by paid links.
Speak to HMRC, your employer, payroll provider or a regulated adviser if you need a decision for tax planning, pension choices, borrowing, benefits, disputes or legal obligations.
UK take-home pay examples
Planning examplesThese are simple example salaries before individual tax codes, pension choices, student loans, bonuses or benefits are changed. Use the calculator above for your own settings.
| Gross salary | Useful for checking | What can change the result |
|---|---|---|
| GBP 25,000 | Entry-level or part-time full-year salary estimates. | Pension method, tax code and student loan plan. |
| GBP 35,000 | Monthly take-home pay after standard payroll deductions. | Region, pension percentage and salary sacrifice. |
| GBP 50,000 | Higher basic-rate earnings and pension comparison. | Taxable benefits, bonus pay and student loans. |
| GBP 75,000 | Higher-rate tax planning estimates. | Pension setup, bonus timing and taxable benefits. |
| GBP 100,000 | Checking estimates near personal allowance taper rules. | Adjusted net income, pension contributions and benefits. |
How does a workplace pension affect my take-home pay?
A workplace pension usually reduces the pay you receive today, but the effect depends on how the pension is taken. If your pension is deducted before tax, the calculator reduces taxable pay first, so Income Tax can fall as well as your final net pay. If it is salary sacrifice, gross pay is exchanged for an employer pension contribution, which can also reduce National Insurance in many cases.
This is why two people on the same salary can have different take-home pay when their pension settings differ. A 5% pension contribution is not always the same as simply taking 5% off the final payslip figure. The deduction can interact with tax bands, National Insurance, student loans and benefits.
Questions people often check
Will increasing pension contributions lower my tax? It can, depending on the pension method and personal circumstances. The calculator shows the pension deduction separately so you can compare a lower or higher contribution.
Is salary sacrifice always better? Not always. It can improve tax and National Insurance efficiency, but it can also affect contractual pay, borrowing checks, some benefits and employer rules.
Why does my payslip differ from the estimate? Payroll timing, tax-code notices, pension provider setup, student-loan plan data, bonus treatment and rounding can all change the real figure. Use this as a planning estimate, then check your payslip or employer details before making decisions.
Rates, assumptions and source notes
Reviewed 19 July 2026Tax year and rates
The bundled rates are set to the 2026/27 UK tax year. The calculator uses official public rates for Income Tax, National Insurance, Scottish Income Tax and student loan repayment thresholds.
Estimate method
Pay is annualised from the period you choose, then deductions are estimated from those annual figures. Real payroll can differ because of cumulative tax, pay-period timing and rounding.
Personal settings
Tax code, pension method, benefits, salary sacrifice, student-loan notices and employer payroll rules can change the result. Check your payslip, HMRC account or payroll provider before relying on a figure.
GOV.UK Income Tax rates
GOV.UK National Insurance rates
GOV.UK student loan repayments
Scottish Income Tax rates
Contains public sector information licensed under the Open Government Licence v3.0. Source pages can change, so treat this calculator as an estimate and check official guidance when a decision depends on the result.
UK pay calculator FAQs
Is this UK pay calculator exact?
No. It is an estimate for planning and comparison. Payslips can differ because of payroll timing, tax-code changes, pension setup, benefits, student loans, statutory payments and rounding.
Which tax year does the calculator use?
The calculator loads bundled UK tax data and shows the active tax year in the rates status area. Source notes should be checked when decisions depend on the result.
Does the calculator support Scotland and Wales?
Yes. You can choose England or Northern Ireland, Wales, or Scotland. Scottish Income Tax bands can differ from the rest of the UK.
Does it include student loans and pension contributions?
Yes. You can select student loan plans and choose pension settings including net pay, relief at source, salary sacrifice or no pension.
Why might my payslip be different from the estimate?
Payroll systems can apply timing, rounding, HMRC notices, employer pension rules, benefits, student-loan notices, bonus treatment and statutory payments differently.