Take-Home Pay Calculator UK: What You Actually Earn

Take-home pay is what lands in your account after income tax, National Insurance, student loan, and pension contributions are deducted.

The calculator breaks down each deduction so you can see exactly where your gross salary goes every month.

Pension contributions reduce your taxable income, often saving more in tax than they cost in net pay.

Use the net figure as your real budget baseline rather than the headline salary you see on a job offer.