Stable Numbers
UK Take-Home Pay Calculator
Work out your net pay with precision. Choose Scotland or the rest of the UK, set a normal or Month 1 (emergency) tax basis, add pension contributions including salary sacrifice, and apply student loans, NI and benefits in kind. Results show totals and per-period breakdowns with a share link and CSV export.
Auto tapered above £100,000.
Pension contributions
Entered as net from take-home. Provider adds 20 percent.
Used to show NI saving from salary sacrifice.
Student loan
National Insurance and extras
Counts as taxable pay for income tax.
Cycle to Work, childcare vouchers, etc.
Show itemised breakdown
| Item | Annual | Per month | Per period |
|---|---|---|---|
This is a planning tool, not advice. Thresholds and rates change. Edit any default to match your payslip or tax year, and use the share link to keep a record.
About this calculator
Your take-home pay depends on income tax bands, National Insurance, pension setup and any student loan deductions. This page models those pieces cleanly. Choose Scotland if you are on Scottish rates. Pick cumulative PAYE for the standard year-to-date method or “Month 1” for an emergency code that ignores previous pay. Enter benefits in kind and other deductions to match your payslip. Pension options include salary sacrifice which lowers taxable pay and NI, net pay which lowers taxable pay only, or relief at source where the provider adds 20 percent to what you pay from take-home. Student loan plans can be turned on together if you have both an undergraduate plan and a postgraduate loan.
Results show annual figures alongside monthly and pay-period equivalents. Cards highlight tax, NI, loans and pension amounts, with employer contributions and the NI saving from salary sacrifice. Use presets to test scenarios quickly, share your setup with a link or export a CSV for records.
Explore more in the finance tools hub.