Estimated take-home pay
Review net income, deductions, pay periods, and scenario differences.
Detailed breakdown
| Item | Annual amount | Share |
|---|
Pay-period summary
| Period | Gross | Net |
|---|
Comparison summary
Reverse calculation
Earnings and deductions chart
Complete the calculator to create a summary.
Formula used
The calculator annualises every earning before applying deductions. Progressive bands charge each income slice at its rate. Editable settings support many payroll systems without claiming exact payroll results.
How to use this calculator
- Select gross-to-net or reverse calculation mode.
- Enter salary, hours, overtime, bonuses, and extra earnings.
- Choose the UK preset or customise all tax settings.
- Add pension, student loan, insurance, and payroll deductions.
- Enable comparison mode when reviewing another offer or location.
- Submit the form, then export or print the results.
Use annual amounts for deductions unless labels state percentages. Review every preset before relying upon the estimate. Payroll offices may apply period-specific rounding and special statutory rules.
Example salary breakdown
| Example input | Value | Purpose |
|---|---|---|
| Annual salary | £45,000 | Main taxable earnings |
| Employee pension | 5% | Salary-sacrifice contribution |
| Tax profile | UK 2026/27 | Illustrative standard PAYE assumptions |
| Comparison salary | £50,000 | Proposed pay scenario |
Example values demonstrate the calculator rather than personal advice. Actual payroll depends on tax codes and pay-period calculations. Always compare estimates against an official payslip or payroll service.
Important estimate notice
This tool provides educational payroll estimates, not financial advice. Tax codes, benefits, residency, and payroll timing can change results. Confirm important decisions with payroll staff or qualified tax professionals.
UK preset sources: Income Tax rates, National Insurance rates, and student-loan deduction guidance.
Frequently asked questions
What is take-home pay?
Take-home pay is income remaining after payroll deductions. It usually excludes employer-only costs and contributions. Your payslip provides the authoritative figure for each payment period.
Does this calculator support hourly wages?
Yes, hourly wages are annualised using weekly hours. Overtime and double-time hours are calculated separately. Adjust weeks worked for seasonal or partial-year employment arrangements.
How are bonuses and commissions taxed?
They are added to annual taxable earnings here. Real payroll may tax irregular payments using period rules. Final annual liability can differ from one payslip's withholding.
What does salary sacrifice change?
Salary sacrifice reduces income before selected payroll charges. This model reduces taxable and social contribution earnings. Employer rules and statutory limits may change actual savings.
Can I calculate a target net salary?
Yes, choose the reverse calculation mode first. Enter the desired annual take-home amount and settings. The calculator searches for an estimated required gross salary.
Does the UK preset include Scotland?
No, the standard preset covers England, Wales, and Northern Ireland. Scottish earned-income bands differ from those standard bands. Select custom progressive bands for a Scottish estimate instead.
Can I use another country's currency?
Yes, currency formatting is independent from tax settings. Choose a currency and enter matching monetary values. No exchange-rate conversion occurs anywhere inside this calculator.
How are custom deductions applied?
Choose fixed or percentage deductions when adding rows. Pre-tax rows reduce taxable income before income tax. Post-tax rows reduce net income after statutory deductions.
Why might my payslip differ?
Payroll can use tax codes and cumulative calculations. Benefits, arrears, refunds, and rounding can also matter. This calculator intentionally simplifies many employer-specific statutory payroll details.
What is the effective deduction rate?
It divides total deductions by annual gross pay. This differs from your highest marginal tax rate. It summarises the overall payroll impact on gross earnings.
Are my details stored?
Calculations run locally within the current browser page. This file contains no database storage or account system. Closing the page removes unsaved inputs and calculated results.