ESTIMATED MONTHLY TAKE-HOME PAY
£0.00
Enter your salary details to calculate.
This calculator gives a simplified estimate for the 2026/27 tax year. It does not include student loans, benefits, bonuses, salary sacrifice or every individual tax situation.
How to calculate take-home pay
Take-home pay is the amount left from your gross salary after deductions such as income tax, National Insurance and pension contributions.
Formula used
The simplified calculation is:
Take-home pay = gross salary − income tax − National Insurance − pension contribution
Example: £36,000 salary
A person earning £36,000 a year will usually have income tax and National Insurance deducted before they receive their pay. If they also contribute to a pension, this reduces the amount received each month.
This calculator estimates annual and monthly take-home pay using the salary entered, the selected tax region and any pension percentage included.
What this calculator is for
This calculator is designed to give a quick estimate of take-home pay from an annual salary. It can help with budgeting, comparing job offers or understanding the difference between gross pay and net pay.
Important note
This tool is a simplified guide. Actual payslips can vary because of tax codes, pension schemes, student loans, salary sacrifice, bonuses, benefits, overtime, childcare schemes or employer-specific deductions.
Frequently Asked Questions
What is take-home pay?
Take-home pay is the amount you receive after deductions such as income tax, National Insurance and pension contributions.
Is this calculator before or after tax?
This calculator estimates pay after income tax, National Insurance and any pension percentage entered.
Does Scotland use different income tax rates?
Yes. Scotland has different income tax bands for earned income, so this calculator includes a Scotland option.
Does this include student loans?
No. This version does not include student loan repayments.
Can my actual payslip be different?
Yes. Your actual take-home pay can vary depending on your tax code, pension arrangement, student loan plan, benefits, bonuses and employer payroll settings.