UK salary calculator
Estimate your annual salary, monthly take-home pay and payroll deductions.
Use this page when you know your annual gross salary and want a clear estimate of monthly take-home pay, deductions and salary comparison context before comparing jobs, raises or pension choices.
Enter gross pay and adjust pension, student loan and tax-region settings to estimate monthly and yearly take-home pay.
Take-home pay
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
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
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.
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 methodologySalary 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
Get a copy of your take-home pay breakdown, pension assumptions, student loan estimate and salary comparison notes sent to your inbox.
As a practical example, enter £50,000 as annual salary and 5% as the pension contribution. The result shows estimated monthly take-home pay, income tax, employee National Insurance, pension deduction and any selected student loan repayment.
The calculator converts the pay you enter into an annual gross figure, applies the selected tax region and pension treatment, then estimates income tax, employee National Insurance, pension contributions and student loan repayments.
The calculator estimates income tax, employee National Insurance, pension contributions and student loan repayments. It also compares gross annual salary with UK full-time pay benchmarks.
It does not include employer National Insurance, benefits in kind, childcare vouchers, taxable benefits, bonus timing, overtime patterns, attachments of earnings, court orders or employer-specific payroll adjustments.
The estimate may differ from your payslip if your tax code is unusual, your employer uses different pension rules, you receive irregular bonuses, you work across tax years or your student loan details are different from the option selected.
Use the result as a planning estimate only. It does not replace payroll, HMRC, accountant, tax or financial advice because tax rules depend on your personal circumstances.
It estimates income tax, employee National Insurance, pension contributions and selected student loan repayments for the chosen tax year.
Yes. Select Scotland as the tax region to use Scottish income tax bands for employment income. National Insurance remains UK-wide.
No. Gross salary is pay before deductions. Take-home pay is the estimated amount left after payroll deductions such as tax, employee National Insurance, pension and student loan repayments.
Payslips can differ because of tax code changes, benefits in kind, bonuses, payroll period rounding, employer pension rules, overtime or deductions that are not entered here.
Yes, it is useful for comparing a job offer or pay rise, but treat the result as a planning estimate rather than a payroll guarantee.
No. It estimates employee take-home pay. It does not include employer National Insurance, apprenticeship levy, benefits, recruitment costs or wider employment costs.