UK Take-Home Pay Estimator

Introduction

The UK Take-Home Pay Estimator gives a simplified view of annual and monthly net pay after income tax, National Insurance, and employee pension percentage. It is useful for offer comparisons and personal budgeting.

About this uk take-home pay tool

Gross salary is not the same as money arriving in your bank account. Tax bands, personal allowance tapering, National Insurance, and pension contributions all affect take-home pay. This estimator keeps those major components visible while avoiding the complexity of a full payroll system.

How this tool works

Enter annual gross salary and pension percentage. The estimator subtracts pension, applies a simplified personal allowance and PAYE-style income tax calculation for England, Wales, and Northern Ireland, estimates National Insurance, and shows annual and monthly take-home pay.

1. Enter your gross annual salary.
2. Add employee pension contribution percentage if applicable.
3. Review estimated income tax, National Insurance, pension, and net pay.

When to use this tool

Use it before accepting a salary offer, changing pension contribution, or updating a monthly budget. It does not cover Scottish tax bands, student loans, benefits in kind, salary sacrifice details, bonuses, tax-code adjustments, or official payroll rounding.

Good to know

• This simplified estimator uses common UK PAYE thresholds and does not cover Scotland, benefits in kind, salary sacrifice, bonuses, or complex tax codes.
• Use payslips, HMRC, or payroll software for official calculations.