Take-home pay
Net pay ≈ gross pay (including bonus, benefits you enter)
minus income tax, employee National Insurance, pension, student loan repayments, and any after-tax
deductions you add. Salary sacrifice and childcare vouchers reduce the income tax and/or NI base first.
Income tax (England, Wales & Northern Ireland)
We estimate tax on earnings after pension and pre-tax deductions, using your
personal allowance (often £12,570 from tax code
1257L).
- 20% on taxable income in the basic band (up to £50,270)
- 40% between £50,270 and £125,140
- 45% above £125,140
Allowance tapers by £1 for every £2 earned over £100,000. Non-standard tax codes
(e.g. BR, D0) adjust the allowance in this tool.
Income tax (Scotland)
If you live in Scotland, we apply Scottish rates on each slice of
taxable income (after your personal allowance):
- 19% on the first £2,827
- 20% on the next £12,094
- 21% on the next £16,171
- 42% on the next £81,478
- 47% on any remaining taxable income
National Insurance (employee)
Unless you tick “do not pay NI”, employee NI is estimated on earnings after relevant salary sacrifice:
- 8% between £12,570 and £50,270
- 2% above £50,270
Student loans & other items
Each selected PAYE plan takes a percentage of earnings above its GOV.UK threshold (annualised here).
Pension can be a % of gross, qualifying earnings, or a fixed annual amount. Optional fields adjust
gross pay before tax and NI.