Take-home pay
Estimate UK PAYE take-home pay and compare scenarios. Each person is calculated independently — salaries are never combined before tax. Figures stay in this session only.
Rates differ in Scotland. Choose where you live, not where you work.
How often you're actually paid. Used for per-payslip results and National Insurance.
Fixed amounts taken from take-home pay after tax, e.g. union fees, parking, charity.
Employer contributions add to your pension but do not reduce take-home pay.
No pension contribution is deducted.
Estimates payroll deductions only — not your loan balance or payoff date. Interest rates are not used.
One undergraduate plan at a time. If you have multiple undergraduate plans, repayments are split using a cap rule that this tool does not model — run a separate calculation instead.
Postgraduate deductions are kept separate and added on top of your undergraduate plan deduction.
Enter a gross salary above to see your estimated take-home pay, deductions and breakdown.
See other calculators