Net pay calculator
Focus on net pay after tax, NI, pension and student loan deductions.
Use this page when your main question is how much pay may reach your bank account each month after common payroll deductions, or when you are testing whether a salary is enough for a monthly budget.
The primary result is monthly take-home pay, with a breakdown of the deductions used to reach it.
Net pay
Focus on the pay that may reach your bank account after PAYE tax, National Insurance, pension deductions and student loan repayments.
Monthly take-home pay
£2,573.30
Yearly take-home
£30,880
Weekly take-home
£593.84
Estimate only. Results are based on the selected 2026/27 PAYE tax year settings and do not replace payroll, HMRC or financial advice.
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.
If your target is about £3,000 per month after deductions, adjust the annual salary until the monthly take-home result is close. Then test pension type, contribution rate and student loan plan to see what changes the estimate.
The calculator starts from gross pay, annualises it if needed, applies income tax and employee National Insurance, then subtracts selected pension and student loan deductions to estimate net pay.
It includes income tax, employee National Insurance, selected pension treatment and selected student loan repayments. Tax region, pension type, student loan plan and pay frequency are all used in the estimate.
It does not include taxable benefits, expenses reimbursed through payroll, attachment orders, union fees, unpaid leave, statutory pay adjustments or employer-specific rounding.
The result can be wrong if your tax code has underpayment adjustments, you receive bonuses or overtime, your pension provider handles relief differently, or your employer applies deductions that are not entered here.
This is an estimate of likely payroll deductions, not a payslip or financial advice. HMRC, payroll and personal circumstances can change the final amount paid.
Take-home pay is the estimated pay left after payroll deductions such as income tax, employee National Insurance, pension contributions and student loan repayments.
Actual payroll can differ because of tax code adjustments, benefits, salary sacrifice agreements, bonus timing, payroll rounding or employer scheme rules.
This page focuses on estimating net pay from a gross salary. You can adjust the salary amount until the monthly take-home estimate is close to your target.
Usually yes, but the tax effect depends on whether the pension is salary sacrifice, net pay or relief at source. The same contribution can produce different net pay under different pension types.
Yes, if you select a supported student loan plan. The estimate uses the selected plan threshold and rate for the chosen tax year.
Only if you include them in the pay amount you enter. One-off bonuses and irregular overtime can be taxed differently within a payroll period.