Your Salary Details
Tax Code
If you know your tax code, enter it below for a more precise result. Not sure? Leave it blank — we'll use the standard code for the selected year.
Student Loan Repayment
Choose any loan plans that apply to you. You can select more than one (e.g. an undergraduate plan plus a postgraduate loan).
Pension Contributions
Choose your pension type and how you'd like to enter your contribution. Auto-enrolment and employer pensions reduce your taxable income. Salary sacrifice also reduces your NI-able pay.
Bonus
Enter any one-off annual bonus you receive. It will be added to your gross earnings and taxed accordingly in the same period as your normal pay.
Overtime
Enter your overtime hours each month, or skip straight to a cash amount if you know the total. The hourly rate is based on your annual salary divided by your normal working week.
— or enter a cash amount directly —
Childcare Vouchers
Childcare vouchers received through your employer can be exempt from tax and NI up to a monthly limit that depends on your tax bracket. The scheme is closed to new entrants from October 2018.
Salary Sacrifice
Salary sacrifice arrangements agreed with your employer reduce your gross salary. From April 2017, most schemes only save National Insurance. Tax-exempt sacrifices (such as cycle-to-work or electric vehicle leasing) save both tax and NI.
Taxable Benefits
Benefits in kind (such as a company car or private medical cover) are treated as taxable income. Cash allowances — for example a car allowance paid via payroll — are also taxable as earnings.
Additional Options
Other Deductions
Payroll giving (Give As You Earn) is deducted before tax is calculated, reducing your tax bill. Gift Aid donations are made from net pay — your charity claims the tax relief directly from HMRC.
Age & Working Pattern
How to Use This Calculator
Begin by entering your annual gross salary — the figure shown on your employment contract or P60 before any deductions. Then use the expandable sections to include details that affect your take-home pay.
Bonus & Overtime
If you receive an annual bonus, enter the full amount and select how frequently you are normally paid. Overtime can be entered as hours per month at a given multiplier of your normal rate, or as a direct cash value.
Tax Code
Your tax code is shown on your payslip, P45 or P60. The standard code for 2025/26 is 1257L. If yours differs — for example if you have multiple jobs or untaxed income — enter it here so the calculation reflects your actual situation.
Pension Contributions
Select the type of pension arrangement you have. Salary sacrifice reduces your gross pay before both tax and National Insurance are calculated, making it the most tax-efficient option. Auto-enrolment and employer pensions reduce taxable income but not your NI-able pay.
Salary Sacrifice & Taxable Benefits
Any salary sacrifice arrangements (other than pension) can be entered here. From April 2017, most schemes only generate a National Insurance saving. Taxable benefits in kind — such as private health cover or a company car — increase your taxable income and should be added in the Taxable Benefits section.
Reading the Results
Switch between Yearly, Monthly, 4 Weekly, 2 Weekly, Weekly and Daily views using the tabs above the results panel. Each view shows the same deductions scaled to that pay period. The daily rate uses your selected working days and weeks per year.
| Income Band (England/Wales/NI) | Rate 2025/26 | Annual Threshold |
|---|---|---|
| Personal Allowance | 0% | Up to £12,570 |
| Basic Rate | 20% | £12,571 – £50,270 |
| Higher Rate | 40% | £50,271 – £125,140 |
| Additional Rate | 45% | Above £125,140 |
| Income Band (Scotland) | Rate 2025/26 | Annual Threshold |
|---|---|---|
| Starter Rate | 19% | £12,571 – £14,876 |
| Basic Rate | 20% | £14,877 – £26,561 |
| Intermediate Rate | 21% | £26,562 – £43,662 |
| Higher Rate | 42% | £43,663 – £75,000 |
| Advanced Rate | 45% | £75,001 – £125,140 |
| Top Rate | 48% | Above £125,140 |