Net Salary Calculator
See your take-home pay after tax, National Insurance, pension and student loan
Your Pay
Comes out of your pay before tax and National Insurance.
It's on your payslip. Leave blank if you're not sure.
Your Take-Home Pay
Take-home pay per month
£2,288
Where your salary goes
- Salary
- £2,916.67
- Pension5% of salary
- −£145.83
- Income Tax12% of salary
- −£344.67
- National Insurance5% of salary
- −£137.87
What salary sacrifice saved you
Your pension is paid before tax and National Insurance, so you don't pay either on it.
- Income Tax
- +£29.17
- National Insurance
- +£11.67
- Total saved
- £40.83
So the £145.83 going into your pension only lowers your take-home pay by £105.00.
Based on 2026/27 rates, worked out over a full year. Your payslip may differ slightly because tax, National Insurance and loan repayments are worked out each pay period.
Where Your Salary Goes
- Take-home pay£27,459.60 (78%)
- Income Tax£4,136.00 (12%)
- National Insurance£1,654.40 (5%)
- Pension£1,750.00 (5%)
Disclaimer: These figures are estimates for guidance only and errors may occur. Please double-check them against your payslip or with HMRC before making financial decisions.
About take-home pay
Your salary and the money that reaches your bank account are two very different numbers. Before you see a penny, your employer takes off Income Tax, National Insurance, pension contributions and, if you went to university, student loan repayments. This net salary calculator shows you exactly where each pound goes, so you can budget with the figure that matters: what you actually take home each month.
Most people in the UK pay tax through PAYE (Pay As You Earn), which means your employer works out the deductions and sends them to HMRC for you. Your tax code tells your employer how much you can earn tax-free. The standard code for 2026/27 is 1257L, which gives a £12,570 tax-free personal allowance. If you earn over £100,000, that allowance shrinks by £1 for every £2 you earn above the limit, and disappears completely at £125,140.
How you pay into your pension makes a real difference to your take-home pay. Salary sacrifice is usually the most efficient: you give up part of your salary and your employer pays it into your pension instead, so you save both Income Tax and National Insurance. A net pay workplace scheme saves Income Tax but not National Insurance. With a personal pension using relief at source, you pay in from your taxed income and the government tops it up by 20%.
If you live in Scotland, you pay Scottish Income Tax, which has six bands instead of three. People on lower incomes in Scotland can pay slightly less tax than elsewhere in the UK, while people on higher incomes generally pay more. National Insurance and student loan repayments are the same across the whole UK.
The calculator starts with your yearly salary and takes off any salary sacrifice pension. It then works out Income Tax using your tax code and the 2026/27 bands for where you live, and National Insurance at 8% on earnings between £12,570 and £50,270, plus 2% above that. Student loans are repaid at 9% of earnings above your plan threshold, and postgraduate loans at 6% above £21,000. Monthly figures are the yearly figure divided by 12, and weekly figures are divided by 52.
These figures are estimates for a typical employee. They don't include bonuses, benefits in kind such as a company car, the Marriage Allowance, or the High Income Child Benefit Charge. The rule that caps tax from a K code at half of your pay isn't applied. Your actual payslip may differ by a few pounds because tax and National Insurance are worked out each pay period rather than over a full year.