Use this free UK salary calculator to estimate take-home pay with a live breakdown for income tax, National Insurance, pension, and student loan deductions.
Try an annual salary, day rate or hourly rate. Results update instantly.
Last updated: 26 April 2026. Estimates use HMRC 2024/25, 2025/26, and 2026/27 PAYE thresholds with a standard 1257L tax code assumption and salary-sacrifice style pension treatment.
HMRC source context: Rates and thresholds for employers and Income Tax rates and bands. This is not financial advice.
This UK salary calculator is built for quick, practical take-home pay estimates across three tax years: 2024/25, 2025/26, and 2026/27. You can enter annual gross salary, day rate, or hourly rate. The tool then converts your input into an annual amount and applies PAYE-style deductions for income tax, employee National Insurance, pension contributions, and student loan repayments to show your estimated net salary. Results are shown yearly, monthly, weekly, daily, and hourly to make comparisons easier when you are reviewing offers, negotiating rates, or planning a role change.
For more realistic estimates, advanced options let you switch region (England, Wales and Northern Ireland or Scotland), choose student loan plan, and adjust pension assumptions. If you are paid by day rate or hourly rate, you can edit working days, weeks, and hours to match your actual pattern. The compare mode is useful for evaluating whether a higher gross salary really delivers meaningfully higher take-home pay once deductions are included.
This page is intended to answer common searches like UK salary calculator, take-home pay calculator UK, day rate calculator UK, and hourly rate to salary UK with transparent assumptions and clear outputs. It is a planning tool rather than a formal tax calculation. If your circumstances include non-standard tax codes, benefits, multiple jobs, or payroll adjustments, treat the result as directional and confirm final figures with your payroll team or a qualified adviser.
It is designed as an estimate using published HMRC PAYE rates and thresholds for the supported tax years. Your final payslip can differ based on your tax code, benefits in kind, salary sacrifice setup, bonuses, and payroll timing.
Yes. In advanced options, switch tax region to Scotland to apply Scottish income tax bands. National Insurance remains based on UK-wide employee NI thresholds for the selected tax year.
Yes. You can enter an annual salary, day rate, or hourly rate. For contractor-style inputs, the calculator converts your rate to an annual equivalent using your working days, weeks, and hours settings.
Pension can be set as a percent of salary or a fixed annual amount. The calculator applies pension before tax and then calculates tax, NI, and student loan on the remaining amount, which mirrors salary-sacrifice style treatment.
The calculator supports Plan 1, Plan 2, Plan 4, Plan 5 (for 2026/27), and Postgraduate loans. Thresholds change by tax year, so choosing the correct year is important for realistic take-home estimates.
Use Your Calendar to share availability, qualify leads, and let prospects book instantly.