UK take-home pay

True Take Home Pay

Enter your pay as an annual salary or an hourly rate — then see tax, National Insurance, student loans, pension sacrifice, bonuses, and equivalent take-home per hour.

Salary or hourly pay → estimate tax, NIC, loans and take-home.

Estimated take-home

Annual and monthly figures after typical PAYE deductions.

£27,112

per year

£2,259.31 / month

Tax, NIC, and other breakdowns

Income Tax and National Insurance

Income Tax: £4,136.00
National Insurance (employee Class 1): £1,654.40

Per paid hour

Gross: £17.95
Net (after deductions): £13.90

Based on 37.5h × 52 weeks ≈ 1950 hours per year.

Total gross: £35,000
Effective deductions: 22.5%
Personal allowance: £12,570

Figures assume salary sacrifice pension reduces taxable pay and NIC. Hourly mode builds annual base pay from rate × hours × weeks (bonus is extra). Gross and net per hour spread all yearly pay across those hours — overtime premiums are not modelled.

Your details

Adjust figures as your circumstances change. All figures stay on this device.

How do you enter pay?

Bonus is always entered as an annual amount on top of base pay.

Annual salary

Gross before pension sacrifice.

Annual bonus (optional)

Included as yearly gross; PAYE on bonuses may vary month to month.

Pension (salary sacrifice %)

Reduces taxable income and Class 1 NI. Enter 0 if none.

Hours & weeks

Used to calculate gross and net rates per paid hour.

Hours per week

Paid weeks per year

Example: 37.5 hours × 52 weeks ≈ 1,950 paid hours. Adjust if you work part-year or different contracted hours.

Student finance

I also repay a postgraduate loan (6% above its threshold).

Income tax region

Tax year (from 6 April)

Deductions

Annual amounts shown.

Item	Annual
Income Tax	£4,136.00
National Insurance (Class 1 employee)	£1,654.40
Student loan (undergraduate)	£347.85
Pension (salary sacrifice)	£1,750.00
Net pay	£27,111.75

Planning estimates only — not tax advice. Gift Aid, benefits in kind, company cars, High Income Child Benefit Charge, and cumulative PAYE coding can all change real payslips. Student loan thresholds follow HMRC tables for the selected tax year; confirm with your employer or HMRC when accuracy matters.