Take Home Pay UK

UK take home pay calculator guides

These guides explain how the calculator translates gross salary into annual, monthly, and weekly take-home pay, salary after tax, and net pay. They are written to make the assumptions behind PAYE deductions explicit rather than hiding the calculation steps.

1. Annualise your pay first

The calculator converts your pay into an annual figure before any deductions are worked out. That makes annual salary, monthly pay, weekly pay, and bonuses comparable inside a single PAYE model.

gross_annual = annual salary or (monthly salary × 12) or (weekly salary × 52) + bonus

  1. Start with the salary amount you entered.
  2. Convert monthly pay to annual by multiplying by 12, or weekly pay by multiplying by 52.
  3. Add any bonus or additional income to get gross annual pay.

2. Work out taxable pay and deductions

Income Tax, National Insurance, and pension are calculated from slightly different versions of your pay. That matters because salary sacrifice, also called salary exchange, affects National Insurance differently from net pay or post-tax pension contributions.

net_annual = gross_annual - income_tax - national_insurance - student_loan - pension

  1. Pension is gross annual pay multiplied by your pension percentage.
  2. Taxable pay is reduced by pension for salary sacrifice and net pay arrangements.
  3. NI-able pay is reduced only for salary sacrifice pension.
  4. Income Tax is applied band by band after your personal allowance and tax code adjustments.
  5. National Insurance is charged at the main rate up to the upper earnings limit and the additional rate above it.

3. Add student loans and derive take-home pay

Student loan deductions are added after their threshold checks, and then the calculator converts the final net figure into monthly and weekly views. This makes it easier to compare job offers and budget using the same assumptions.

student_loan = max(0, gross_annual - threshold) × rate

  1. For each selected student loan plan, only the earnings above its threshold are charged.
  2. If a postgraduate loan is selected, it stacks on top of the undergraduate plan.
  3. Total deductions are added together and subtracted from gross annual pay.
  4. Monthly net pay is net annual pay divided by 12, and weekly net pay is net annual pay divided by 52.

4. Compare 2026/27 salary examples

Salary calculator 2026/27 searches often start with a gross annual figure such as £25,000, £30,000, £40,000, or £50,000. Using the same tax year, region, tax code, pension, and loan settings keeps each after-tax comparison consistent.

monthly_take_home = net_annual / 12

  1. Enter the gross salary as an annual amount.
  2. Keep the same tax year and deduction settings for each comparison.
  3. Compare the annual, monthly, and weekly net pay figures in the results panel.