About TakeHome

• Income tax using England, Wales, Northern Ireland or Scottish bands.
• Class 1 employee National Insurance.
• Workplace, salary sacrifice and personal pension contributions.
• Student loan Plans 1, 2, 4, 5 and postgraduate loans.
• Bonuses, overtime, commission, benefits in kind and other deductions.

• A full tax year of steady employment. Monthly figures are the annual result divided by 12, weekly by 52 and daily by 260 working days.
• The salary you enter is gross pay before deductions. If you enter a monthly or weekly amount we scale it to a year (×12 or ×52) before applying tax.
• Percentage pension contributions are applied to your full gross salary, not to qualifying earnings. Workplace contributions reduce taxable pay but not National Insurance; salary sacrifice reduces both. Personal pensions use relief at source: the gross target includes the provider top-up, while cash contributions and potential further tax relief are displayed separately.
• The employer pension figure is an estimate from the settings you choose and does not affect your take-home pay.
• Calculations run on unrounded figures; only the displayed values are rounded — to the nearest pound in summaries and to the penny where pence are shown.
• Rates and thresholds come from the published GOV.UK and Scottish Government figures listed above, checked on the date shown against those sources.

This tool estimates employment income under standard employee National Insurance rules. It does not calculate self-employed profits, dividends, State Pension age exemptions, every tax-code variation or exact pay-period payroll. National Insurance and student loans use annual thresholds, so irregular earnings can give different results from payroll. Pension relief assumes eligibility under age 75 and does not calculate annual allowance charges, carry-forward or the money purchase annual allowance. See HMRC pension tax-relief guidance.

TakeHome maintains this calculator using published tax-year sources and automated regression checks. We do not claim an independent professional payroll review.

To report an incorrect estimate, email contact@takehome-pay.co.uk with the tax year, calculator settings, expected result and source. Please omit names, National Insurance numbers and other personal details. We will investigate reproducible reports and update the calculation or its explanation when needed.

Payroll systems calculate tax on a period-by-period cumulative basis, and employers apply their own pension scheme rules, benefit valuations and deduction timings. Our figures assume a full tax year of steady PAYE employment. Treat every number here as an estimate rather than an exact payslip.