UK Take-Home Pay Calculator
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Salary Payslip Breakdown For £0 Per Year
Use this table to see your daily, weekly, monthly, yearly, and total breakdowns.
| Yearly | Monthly | Weekly | Daily | |
|---|---|---|---|---|
| Gross income | £0 | £0 | £0 | £0 |
| Pension | £0 | £0 | £0 | £0 |
| Taxable income | £0 | £0 | £0 | £0 |
| Income tax | £0 | £0 | £0 | £0 |
| National Insurance | £0 | £0 | £0 | £0 |
| Student loan | £0 | £0 | £0 | £0 |
| Total deductions | -£0.00 | -£0.00 | -£0.00 | -£0.00 |
| Net income (after deductions) | £0.00 | £0.00 | £0.00 | £0.00 |
How UK Take-Home Pay Is Calculated (Income Tax, National Insurance, Pension)
This take home calculator helps you estimate what you will actually receive after tax and deductions, so you can plan with confidence. Enter your annual salary, choose your tax year, and the salary calculator will break down the figures into yearly, monthly, weekly, and daily amounts. It includes income tax, National Insurance, pension contributions, and student loan repayments, giving you a clear view of your net income.
The income calculator tool is designed to reflect current UK rules, which makes it useful for budgeting, comparing job offers, or understanding how changes to your pension or tax code affect your take home pay. You can expand the income tax and National Insurance sections to see how each band contributes to the total deductions. Use the compare to year option to measure how your figures would look under earlier tax years and see the difference side by side.
Whether you are full time, part time, or self employed, this salary calculator gives a fast, consistent estimate you can rely on. It does not replace professional advice, but it does offer a practical starting point for understanding your pay. If you are exploring salary sacrifice, student loan changes, or new tax year updates, the income calculator tool makes those comparisons easy.
UK Take-Home Pay Calculator Explanations
Each input controls a different part of the take-home calculation. Use these explanations to understand why the output changes.
- Annual Salary
- Your gross yearly pay before any deductions. This is the base figure used for Income Tax, National Insurance, pension, and student loan calculations.
- Enter a value above 0 in GBP. A higher annual salary moves more income into higher bands and increases deductions.
- Tax Code
- Determines your personal allowance and any adjustments. Examples include 1257L, BR, D0, D1, and NT.
- A lower allowance increases taxable income, while a higher allowance reduces the Income Tax due.
- Student Loan Plan
- Choose Plan 1, Plan 2, Plan 4, Plan 5, or Postgraduate.
- Each plan has its own threshold and rate. Repayments only apply above the threshold and reduce take-home pay.
- Pension
- Enter a yearly amount (for example 500) or a percentage (for example 5%).
- Pension contributions reduce taxable pay, which can reduce Income Tax and NI, but they also reduce your cash take-home amount.
- Age
- Select Under 16, 16-67, or 68+ to apply the correct employee NI rules.
- Age affects whether NI is charged and which NI thresholds apply.
- Tax Year
- Supports 2020/2021 through 2025/2026.
- Each year has different tax and NI thresholds. Changing the year can change the entire breakdown.
- Additional Options
- Married and Blind adjust allowances. I Pay No NI removes employee NI.
- These options change taxable income or set employee NI to 0, which can materially increase net pay.
- Scottish Resident
- Applies Scottish Income Tax bands for salary income.
- National Insurance still follows UK-wide rules, but Income Tax bands and rates change.
- Compare To Year
- Adds a second column so you can compare results across tax years.
- Comparison options are the later years after your selected year. Choose "None" to hide the comparison.
Sources And Methodology
Calculations follow published UK PAYE thresholds for the selected tax year and apply standard rules for Income Tax, National Insurance, and common deductions. Results are estimates and should be checked against official guidance for your circumstances.