What this tool is for

It shows you, in plain numbers, how much of your salary actually lands in your bank account after income tax and National Insurance. You put in your gross annual pay, and you get back your take-home figure along with a breakdown of how HMRC arrives at it.

The idea is to take the guesswork out of payslips and job offers. Instead of wondering why the figure on your contract looks very different to what hits your account, you can see each deduction laid out clearly.

When to use it

It is useful if you are comparing job offers, asking for a pay rise, thinking about moving to a new role, or simply trying to budget for the year ahead. It is also handy if you have just had a salary change and want to work out what your new monthly and weekly pay will be before your next payslip arrives.

The calculator is aimed at employees paid through PAYE in England, Wales, and Northern Ireland. If you are self-employed, a company director taking dividends, or a Scottish taxpayer on different bands, the figures will not reflect your situation accurately. It also does not account for pension contributions, student loan repayments, salary sacrifice schemes, or benefits in kind, so treat the result as a starting point rather than a final payslip.

How it works

You enter one figure, your gross annual salary, and the tool does the rest using the 2025/26 tax year rates and the standard personal allowance of £12,570. You will see how much falls into the basic, higher, and additional rate bands, how much National Insurance comes off, your annual, monthly, and weekly take-home pay, and your effective tax rate as a percentage. Nothing you enter is saved or sent anywhere, the calculation happens in your browser and disappears as soon as you close the page.