How the estimate works
The calculator converts your pay to an annual figure, applies the selected pension treatment, then estimates income tax, employee National Insurance and student loan repayments.
UK salary calculator
UK Wage & Salary Calculator
Calculate your take-home pay, understand your deductions, and see how your salary compares across the UK.
Take-home pay
Calculate your UK salary
Estimate income tax, employee National Insurance, pension deductions and student loan repayments for the 2026/27 tax year.
Monthly take-home pay
£2,573.30
Gross annual salary
£40,000
Yearly take-home
£30,880
Estimate only. Results are based on the selected 2026/27 PAYE tax year settings and do not replace payroll, HMRC or financial advice.
Salary comparison
How your gross salary compares
Compared with UK full-time employee gross annual pay, your salary is estimated within the Above the UK full-time median range.
Approximate percentile
52nd
Estimated position
Above the UK full-time median
UK median full-time salary
£39,039
Distance above median
£961
LowerMedianHigher
Your estimated position
Median
£39,039
£961 above this threshold.
Top 25%
£54,009
£14,009 below this threshold.
Top 10%
£76,903
£36,903 below this threshold.
Top 5%
£99,387
£59,387 below this threshold.
Methodology and source notes
Estimate only. The comparison uses benchmark data for UK full-time gross annual employee pay. It compares gross salary before tax and deductions, not take-home pay.
It does not adjust for household income, bonuses not captured in annual pay, region, age, occupation, sector, hours pattern, wealth, or cost of living. Percentile values are broad context rather than an exact ranking.
Current benchmark: UK full-time employee gross annual pay, 2025 provisional.
Read the full methodologyEstimated deductions
- Income tax
- £5,086.00
- National Insurance
- £2,034.40
- Pension contribution
- £2,000.00
- Student loan repayment
- £0.00
- Effective deduction rate
- 22.8%
What changed?
Salary sacrifice pension
Your 5% salary sacrifice reduces taxable pay and employee NI-able pay. Estimated income tax saving: £400. Estimated employee NI saving: £160.
Email report
Email me my full UK salary report
Get a copy of your take-home pay breakdown, pension assumptions, student loan estimate and salary comparison notes sent to your inbox.
Example: £50,000 with 5% pension
Enter £50,000 as annual pay and 5% pension contribution to see estimated monthly take-home pay, income tax, employee National Insurance and pension deductions.
When it may differ
Payslips can differ because of tax codes, benefits, payroll timing, employer pension rules, bonuses, overtime, student loan details and rounding.
What this estimate includes
It includes income tax, employee National Insurance, selected pension treatment, selected student loan plan and a gross salary comparison against UK full-time pay benchmarks.
What this estimate does not include
It does not include employer costs, benefits in kind, attachments of earnings, taxable expenses, childcare schemes or exact employer payroll rules.
Estimate-only disclaimer
Use this as a planning estimate only. It does not replace payroll, HMRC, accountant, tax or financial advice because tax rules depend on personal circumstances.
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Guides and methodology
Pension TypesUnderstand salary sacrifice, net pay and relief at source pensions.Salary Sacrifice vs Net Pay vs Relief at SourceCompare how pension arrangements change take-home pay estimates.MethodologySee the assumptions behind tax, NI, pensions, loans and comparison data.Inside IR35 vs Outside IR35 GuideUnderstand how IR35 status can change contractor take-home pay comparisons.Contractor Day Rate vs SalaryCompare contractor rates with employee salary in a practical way.Director Salary vs DividendsLearn how UK company directors commonly take income from a company.UK Dividend Tax RatesSee how dividend allowance and dividend tax bands interact with salary.Limited Company Take-Home PayUnderstand salary, dividends, company profit and retained money.What Does 1257L Mean?Understand the common UK tax code and why payslips can differ from estimates.How Bonuses Are TaxedSee how bonus pay can affect tax, NI, pensions and student loan deductions.Monthly Gross to Net PayConvert monthly gross pay into an estimated take-home pay figure.Student Loan Repayments and SalaryUnderstand how student loan plans can change salary take-home pay.Hourly Rate to Annual SalaryConvert hourly pay to annual salary without overstating unpaid time.What Is the Median Wage?Understand median pay, average pay and salary comparison context.What Salary Percentile MeansRead salary percentile results without confusing gross and take-home pay.
Frequently asked questions
Is this calculator exact?
No. It is an estimate based on selected tax-year settings and common payroll treatment. Payslips can differ because of payroll period rounding, benefits, tax codes and employer-specific pension rules.
Does the salary comparison use take-home pay?
No. Salary comparison uses gross annual pay benchmarks. It does not compare household income, wealth, occupation, age, region or cost of living.
Which pension type should I choose?
Use the pension arrangement shown on your payslip or pension documents. Salary sacrifice, net pay and relief at source can affect payroll deductions differently.