Curious what impact that pay rise will really have? With the latest April 2025 figures now live, our Take-Home Salary Calculator gives you an accurate view of how much more you’ll actually see in your pocket each month.
UK Salary & Tax Breakdown Calculator
If you live in Scotland, income tax is calculated differently.
Rates and thresholds set by Scottish Government.
A common tax code is “1257L” meaning £12,570 tax-free allowance. Check your payslip, P60, or HMRC letter for your correct code.
• Plan 1: Started before September 2012 in England/Wales
• Plan 2: Started after September 2012 in England/Wales
• Plan 4: Scottish students
• Postgraduate Loan: For master’s/PhD courses
Your payslip or SLC account will confirm your plan.
How to Use the Take-Home Calculator
Start by entering your annual salary — or the salary you’re aiming for — in the box above. That’s the foundation of your take-home pay breakdown.
If you’re getting a bonus, just pop the amount into the bonus section to see how it changes your take-home pay versus a regular month — perfect for side-by-side comparisons.
Got overtime? Use the overtime fields to enter the number of hours and the rate you’re paid (e.g. 5 hours at 1.5x). If you have multiple overtime rates, don’t worry — there’s room for both. For more accurate results, add in your regular weekly working hours.
Live in Scotland? Tick the “Resident in Scotland” box to apply the correct Scottish income tax rates.
Know your tax code? Enter it for the most accurate result. If you’re not sure, leave it blank and we’ll use the default code.
Contributing to a pension? Add your contribution as a percentage or a £ amount, and select the type (auto-enrolment, employer, salary sacrifice, etc.). These are estimates, but they’ll help fine-tune your results.
If you’re receiving childcare vouchers as part of a salary sacrifice scheme, enter the monthly amount. And if you enrolled before 6 April 2011, be sure to tick that box — it changes your tax relief.
You can also indicate your age range, marital status, or whether you’re blind, as these can affect your tax allowances.
Not paying National Insurance (e.g. if you’re over State Pension Age)? Tick the “No NI” box and we’ll adjust the calculations accordingly.
Repaying a student loan? Select the right plan:
- Plan 1: courses started before 1 Sept 2012
- Plan 2: courses from 1 Sept 2012 onwards
- Postgraduate Loan: for master’s or PhD study
You can even choose the tax year you’d like to calculate for — the default is 2025/26, but the dropdown lets you switch easily.
Once you’ve filled in your details, click “Calculate!” and you’ll get a full breakdown — including gross salary, deductions, and net pay — across annual, monthly, weekly, and daily figures.
All calculations use the latest Income Tax, National Insurance, and Student Loan rules as of April 2025