💷 Salary After Tax Calculator
Find out exactly how much of your salary you keep after tax, National Insurance and deductions.
Your Salary
Deductions
Your Salary Breakdown
Your salary is split between tax, National Insurance, pension and your take-home pay.
UK Salary After Tax Calculator (2026/27)
Use our free UK Salary After Tax Calculator to work out exactly how much you'll take home after Income Tax, National Insurance, pension contributions and student loan repayments. Simply enter your salary to see your annual, monthly, weekly and hourly take-home pay.
Whether you've been offered a new job, received a pay rise or simply want to understand where your salary goes, knowing your take-home pay is essential.
Unlike simply looking at your annual salary, your take-home pay reflects the money that actually reaches your bank account after payroll deductions.
How does the salary after tax calculator work?
The calculator estimates your net salary by applying the current UK tax rules to your gross annual income.
Depending on the information you enter, it can calculate deductions including:
- Income Tax
- Employee National Insurance
- Pension contributions
- Student Loan repayments
- Salary sacrifice pension schemes
It then shows:
- Annual take-home pay
- Monthly take-home pay
- Weekly take-home pay
- Daily pay
- Hourly pay
- Total tax paid
- Total deductions
What is gross salary?
Gross salary is your total earnings before any deductions are taken.
It usually includes:
- Basic salary
- Bonuses
- Overtime
- Commission
- Taxable allowances
This is the figure your employer offers you when discussing salary.
What is net salary?
Net salary (sometimes called take-home pay) is the amount you receive after deductions have been made.
These deductions commonly include:
- Income Tax
- National Insurance
- Workplace pension
- Student Loan repayments
Your net salary is the amount that arrives in your bank account on payday.
Understanding UK Income Tax
Income Tax is charged on earnings above your Personal Allowance.
The amount of tax you pay depends on your taxable income and the tax bands that apply to you.
As your earnings increase, a larger proportion of your income may be taxed at higher rates.
Your exact tax position can also depend on factors such as your tax code, pension contributions and whether you live in Scotland.
National Insurance explained
National Insurance Contributions (NICs) help fund certain state benefits and public services.
Most employees pay National Insurance once their earnings exceed the relevant thresholds.
Your employer also pays Employer National Insurance separately, although this does not reduce your take-home pay.
Pension contributions
If you're enrolled in a workplace pension, a percentage of your salary may be deducted before or after tax depending on your pension arrangement.
Contributing to a pension can reduce your taxable income in some situations and may increase your retirement savings over the long term.
Student Loan repayments
Student Loan repayments depend on which repayment plan you're on.
The main UK repayment plans include:
- Plan 1 - £26,900 a year (£2,241 a month)
- Plan 2 - £29,385 a year (£2,448 a month)
- Plan 4 (Scotland) - £33,795 a year (£2,816 a month)
- Plan 5 - £25,000 a year (£2,083 a month)
- Postgraduate Loan - £21,000 per year (1,750 per month)
Repayments only begin once your income exceeds the relevant repayment threshold.
Why your take-home pay matters
Knowing your take-home pay can help you:
- Compare job offers
- Negotiate salary
- Budget more accurately
- Estimate mortgage affordability
- Plan savings goals
- Calculate pension contributions
- Understand the impact of a pay rise
Many people focus on gross salary, but your net salary is often far more important for day-to-day financial planning.
Frequently Asked Questions
Is this calculator free?
Yes. You can use the calculator as many times as you like.
Does it include National Insurance?
Yes. Employee National Insurance is included.
Does it include Student Loans?
Yes. You can select your repayment plan.
Does it include pension contributions?
Yes. Pension deductions can be added.
Is this calculator accurate?
The calculator provides an estimate based on the information entered and current UK tax rules. Individual circumstances may vary.
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