Your UK take-home pay,
calculated properly.

Salary, pension, tax codes, dividends, salary sacrifice, student loans — all in one place. Updated for 2026/27.

Salary sacrifice3 pension methods5 student loan plansScottish bandsMock payslipGift AidPA taper & 60% rateDividends & savings

Calculate my take-home pay →Free · No sign-up · No data stored

NET TAKE-HOME EXAMPLE

£42,107

£3,509 per month · on a £60,000 salary

Income Tax−£11,432

National Insurance−£3,461

Pension (SS)−£3,000

✓ Salary sacrifice✓ PA taper & 60% rate✓ 5 student loan plans✓ Scottish bands✓ Mock payslip✓ Gift Aid

Understand your pay

Plain-English guides to the UK tax rules that affect your take-home pay

Income Tax

An additional tax-free allowance worth £3,250 — and it can be transferred to a spouse.

Income Tax

More PAYE employees need to file than realise. And some of those who do are leaving significant money unclaimed.

National Insurance

Employer NI is 15% of your salary, paid directly to HMRC, never shown on your payslip. Understanding it changes how you read your employment.