Payslip & take-home pay calculator
Turn a gross salary into take-home pay, after pension, income tax, National Insurance and the personal allowance taper. 2025/26, England.
Your estimate
Take-home pay per year
£0
- Gross salary
- £0
- Pension contribution
- £0
- Income tax
- £0
- National Insurance
- £0
- Total take-home
- £0
Assumes England rates, a standard tax code (1257L) and no student loan, benefits-in-kind or other income. Salary sacrifice pension assumed. Not a substitute for a real payslip.
In plain English
The terms, explained
New to this? Here’s what the words on this page actually mean.
- Gross pay
- Your full salary before any deductions, the headline figure in your contract.
- Personal allowance
- The amount you can earn tax-free each year, £12,570 for most people, reduced (“tapered”) once you earn over £100,000.
- Salary sacrifice pension
- Pension contributions taken from your gross pay before tax and National Insurance are worked out, which is why they lower your tax bill.
- Take-home pay (net pay)
- What actually lands in your bank account each payday, after pension, income tax and National Insurance.
FAQ
Payslip & take-home pay calculator, your questions answered
How do I work out my take-home pay?
Start with your gross salary, deduct any pension contribution, then income tax and National Insurance on what’s left. Enter your salary above for an instant breakdown, including the monthly and weekly figures.
Why is my personal allowance lower above £100,000?
The £12,570 personal allowance is reduced by £1 for every £2 you earn over £100,000, and is fully gone by £125,140. This creates an effective tax rate of around 60% in that band, we can show you ways to reduce it, for example by paying more into a pension.
Does a pension contribution really reduce my tax?
Yes, a salary sacrifice or relief-at-source pension contribution comes out of your pay before income tax and (for salary sacrifice) National Insurance are calculated, so you pay less tax while your pension pot grows.
What’s the difference between this and the salary & dividend calculator?
This tool is for a straightforward employee or director salary through PAYE. Our salary & dividend calculator is for company directors mixing a small salary with dividends, usually the more tax-efficient route if you run your own limited company.
Does this include student loan repayments?
No, this shows income tax, National Insurance and pension only. If you have a student loan, an extra 6-9% is usually deducted above the relevant repayment threshold, ask us and we’ll factor in your specific plan.
Need a hand with this?
We can do it properly for you
A calculator gives you a number; we give you a plan to pay less. Explore the services and specialists this relates to:
Other free tools
Other calculators that might help
Want the exact figure, and a way to pay less?
Book a free, no-obligation consultation and we’ll show you how much we can save you.