Take home pay calculator

OLD VERSIONS BELOW

Version 3

Works like the MSE-style flow: keep the main inputs simple, with “Advanced options” for the extras. Figures are estimates (dividing by 12 and 52 for monthly/weekly views).

Supported: 1257L, 0T, BR, D0, D1, NT. (K codes treated as £0 allowance for an estimate.)
Advanced options

Student loans

Postgraduate is calculated in addition to any plan above.

Pension

If “% of salary”, enter 5 for 5%.

Additions and deductions

Affects Income Tax only (not usually NI).
Reduces tax + NI + student loan in this estimate.
Useful if you’re above state pension age or NI isn’t relevant.

Estimate your take-home pay after Income Tax, National Insurance, pension and student loan deductions (UK, 2025/26).

Advanced options

Pension contributions

Employee + employer contributions combined. Auto-enrolment minimum is 8% (5% employee + 3% employer)

Student loans

National Insurance

Income adjustments

Tax only (car, health insurance, etc.)
Childcare vouchers, cycle schemes, etc.
Union fees, charity giving, etc.