UK Take-Home Pay Calculator
Enter your salary to see your take-home pay after tax, National Insurance, pension and student loan. Updated for the 2025/26 tax year.
General2025/26 / England / Standard code
2025/26
2025/26 / England / Standard code
PensionNo pension contribution entered
No pension contribution entered
Student loanNo student loan
No student loan
AllowancesNo extra allowances or NI changes selected
No extra allowances or NI changes selected
Family0 children selected
0 children selected
Salary sacrificeModel one or more pre-tax schemes inside the main calculator flow
Model one or more pre-tax schemes inside the main calculator flow
Switch schemes on here to see the impact across your summary, detailed view, and explainer payslip.
Model the annual pre-tax amount you would exchange for a bike package.
Uses your current annual salary and assumes 260 working days in a year.
Uses the gross monthly sacrifice and applies a simple EV BIK estimate for the selected tax year.
Model an extra annual pension salary sacrifice on top of your baseline pension.
Ready when you are
Enter your salary to build your take-home pay view
You can model tax, pension, student loan, and salary-sacrifice choices in one place.
- Your take-home pay after tax, NI, pension and student loan
- A branded payslip explainer in a familiar format
- Your effective and marginal tax rates
- Salary-sacrifice modelling for bikes, holiday buy, EVs and pension increases