Take-Home Pay Calculator

Nothing is saved
Take-home, tax year
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Enter your salary to see results
Hit it tax efficiently
Tax efficiency scale
Shows which tax band your income reaches and how far pension and sacrifice pull it back.
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of pay goes on tax and NI
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tax and NI saved
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kept of next £100 of pay
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into pension this year

Bonus

Entered as

Salary sacrifice

Cycle to Work and other schemes taken from pay before tax and NI. Enter each as a monthly or a yearly amount. Each one applies to the whole of the tax year selected.

Deductions after tax

Savings schemes, share plans, union fees and similar. These reduce take-home but do not change tax or NI. Each one applies to the whole of the tax year selected.

Pension options

Into pension this year
Set your pension by

With a take-home target, the pension % is worked out so each normal month, without the bonus, pays the target on the main screen, after everything else you have entered. The Make tax efficient button also sends the whole bonus to the pension.

More options

Taxable benefits are things like company medical cover taxed through your pay. The standard allowance is £12,570 (tax code 1257L); for another code, use the number in the code times 10. Child Benefit counts if you or your partner claim it.

Start again with a blank calculator.

Detail

Pension over the year

Tax efficiency

Month by month

Rates used

Tax is worked out month by month on the cumulative basis payroll uses. The allowance is reduced when income is over £100,000. Higher-rate relief on after-tax pension contributions, which you claim from HMRC yourself, is not included. This is an estimate, not financial or tax advice. Nothing you enter is saved or sent anywhere.

State Pension

Add the State Pension to the income

The full new State Pension is £241.30 a week in 2026/27. You need 35 qualifying years of National Insurance for the full amount, and 10 years to get any. State Pension age is 66, rising to 67 by 2028 and to 68 from 2044. Your own forecast and age are on GOV.UK under "Check your State Pension forecast"; enter those figures here.

Pension pot detail

Year by year

How it is worked out

The pot grows by the growth rate each year, with the monthly payment added each month. Growth is the rate left after price rises and charges, and the monthly payment is assumed to rise with prices, so every figure is in today's money. 2% is a cautious growth rate. The monthly payment starts as your pension and your employer's from the Take-home screen, and follows it until you type your own figure. Empty the field to follow it again.

Income from the pot is the pot multiplied by the income rate. 3.5% a year is a cautious rate for an income meant to last through retirement. Income is shown before tax. You can normally take up to 25% of a pot tax free, and you cannot normally take a private pension before 55, rising to 57 in April 2028.

This is an estimate, not financial advice. Investments can fall as well as rise. Nothing you enter is saved or sent anywhere.