How is take-home pay calculated in the UK?

Take-home pay is gross salary minus Income Tax, National Insurance, workplace pension, student loan repayments, and other payroll deductions.

UK salary calculator (2026/27)

Model your pay with database-driven rates for each tax year. Not tax advice.

CalculatorCompare

Annual Salary

£10,000£200,000

Tax Code

£12,570 Personal Allowance

Pension Contribution

0%20%

Student Loan

Additional Salary (bonus, overtime)

£0

£0£30,000

Your take-home pay

£1,697.73

per month

£20,372.72 per year

Gross pay£24,784.00

Income Tax−£2,194.96

National Insurance−£977.12

Student loan£-0.00

Pension−£1,239.20

Take-Home Pay£20,372.72

Effective tax rate17.8%