What will I take home?
Enter your salary to see what lands in your bank account after tax, National Insurance, your pension and any student loan.
Your answer
Enter your salary to see your take-home pay.
About this calculator
For anyone paid through payroll who wants to know what their pay is really worth: when you're weighing up a job, a pay rise or a move to Scotland.
It also shows how much of your next £100 of pay you'd keep, which is often less than people expect.
What happens to your answers
We don’t keep them. Your answers go to our server to do the sums and aren’t stored or logged. If you copy a link to your answers, they’re in the link itself, so only share it with people you trust.
How it’s worked out
We start with your pay, take off any pension paid before tax, then work out income tax on what's left above your tax-free allowance. National Insurance and student loan repayments are worked out on your pay itself.
Your tax-free allowance shrinks by £1 for every £2 your income goes over £100,000, so we check that too.
Worked example
You'd take home £34,120 a year, about £2,843 a month.
2026/27 tax year · England · 5% pension taken before tax · no student loan
| Your pay before tax | £45,000 |
|---|---|
| Pension taken from your pay before tax | − £2,250 |
| Income tax (your first £12,570 is tax-free) | − £6,036 |
| National Insurance | − £2,594 |
| You take home | £34,120 |
Worked out using HMRC's published rates for the 2026/27 tax year (6 April 2026 to 5 April 2027), on a yearly basis.
Questions people ask
Why is my payslip different?
We work out the whole year. Payroll works it out each payday, so a month with a bonus, or a tax code that isn't the standard one, can make a single payslip look different. Over a full year they should end up close.
Which pension option should I choose?
If your pension comes off before your pay is taxed, choose "Taken from my pay before tax". If your payslip shows it after tax and your pension provider adds 20%, choose the second option. If you've agreed to a lower salary in return for pension payments, that's salary sacrifice. Not sure? Choose "I'm not sure" and we'll show how much it matters.
Does it work for Scotland and Wales?
Yes. Scotland has its own income tax rates, which we use if you choose Scotland. Wales currently has the same rates as England. National Insurance is the same everywhere.
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