UK take-home pay (salary) calculator

Effective rate is your total tax and NI divided by your whole salary. Marginal rate is just the rate on your next pound — since the personal allowance and lower bands are taxed at 0% or a lower rate, blending all of that together always pulls your effective rate below your marginal rate.

It's based on where you live (your main residence), not where your employer is based or where you work. If you live in Scotland, select Scotland even if your employer is registered in England.

Only if you want to. Leaving it blank applies the standard tax-free personal allowance, which is right for most people. Enter your actual code (found on your payslip or P60) if it's non-standard — for example BR/D0/D1 if all your income is taxed at a flat rate (common for a second job), a K-code if you owe tax from a previous year or an untaxed benefit, or a number other than 1257 if HMRC has adjusted your allowance.

They're taxed differently, so pick the one that matches your actual scheme. Salary sacrifice: your contract salary is reduced by the contribution, so it's deducted before both Income Tax and National Insurance — the only method that also saves NI. Net pay: deducted before Income Tax (full relief, automatic), but NI is still charged on your full salary. Relief at source: deducted from your pay after tax and NI (typical for personal/SIPP pensions), then your provider adds 20% basic-rate relief to the pot separately — higher and additional-rate taxpayers claim the rest via Self Assessment, which isn't reflected in your take-home here. Check your payslip or scheme documents if you're not sure which applies to you.

Qualifying earnings means your pension percentage only applies to the slice of your salary between £6,240 and £50,270 — this is the default most UK auto-enrolment schemes use to calculate the statutory minimum contribution, and it gives a smaller contribution (and smaller deduction) than applying the same percentage to your whole salary. Some employers instead certify their scheme on full salary, which is more generous. Check your payslip or scheme documents if you're not sure which applies to you.

It works out an hourly rate by dividing your salary across a standard working year (your standard hours/week × 52 weeks), then multiplies your overtime hours by that rate and your chosen multiplier (e.g. 1.5 for time-and-a-half) to get your extra pay, added to your gross income before tax and NI. It's an approximation — real overtime pay depends on your contract, and if overtime is pensionable under your specific scheme, this calculator doesn't add it to your pension contribution.

Enter your bonus in Advanced options for a normal-month vs. bonus-month comparison. HMRC taxes a bonus by treating that period's pay as if you earned it every month of the year — so if it pushes your monthly-equivalent income into a higher tax band, the bonus (and sometimes some of your normal pay in that same period) gets taxed at that higher rate. It evens out over the tax year, but it's why a bonus can feel more heavily taxed than your regular pay. Benefits in kind (company car, private healthcare, etc.) have their own separate tax treatment and aren't included.

If you or your partner claim Child Benefit and either of you has "adjusted net income" (broadly, your salary minus pension contributions) over £60,000, some or all of it gets clawed back as extra tax — tapering away completely by £80,000. It's based on the higher earner's income specifically, not your household income combined. This calculator applies it using your own figures here; if your partner earns more than you, run the numbers from their side instead for an accurate charge.