Take-Home Pay Calculator

Enter your gross annual salary, pension percentage and student loan plan, then choose your region and tax year. The monthly and weekly take-home figures update instantly. Use the region selector for Scotland if you pay Scottish income tax.

Worked example: on a £30,000 salary in England with a 5% pension and no student loan, take-home is about £23,920 a year — roughly £1,993 a month and £460 a week after income tax, National Insurance and pension.

Your employer starts with your gross salary, then deducts income tax (20%, 40% or 45% depending on your band), Class 1 National Insurance (8% then 2%), any student loan repayments at 9% or 6% above your plan threshold, and your pension contribution.

What remains is your take-home pay. For most people on a standard tax code, deductions on a £30,000 salary come to roughly £6,080 a year including a 5% pension contribution.

Most UK bills — rent or mortgage, council tax, utilities and subscriptions — are monthly, so the monthly take-home figure is usually the most useful for budgeting. This calculator divides annual net pay by 12; your actual payslip may differ slightly because PAYE tax is calculated per pay period.