Salary & PaySalary Take Home Savings Overtime

Tax year 2026/27 · Rest of UK · annual

Take Home Pay Calculator

Your monthly or weekly take home pay after every UK deduction.

Tax year

Region

Schedule

Your details

Annual gross salary

Show take-home as

Pension contribution

5.0%

Student loan

Take-home (monthly)

£2,247.47

£26,970 per year

Per month

Gross pay	£2,916.67
Income tax	− £373.83
National Insurance	− £149.53
Pension	− £145.83
Student loan	− £0.00
Take-home	£2,247.47

Interactive scenarios

Tax and deductions, your way

Tax year

Region

Pay schedule

Salary £45,000

Net (monthly)

£2,806

Income tax (monthly)

£541

NI (monthly)

£216

Effective rate

20.2%

Modelled on a 5% pension. Showing monthly figures, rest of UK, tax year 2026/27.

The full guide

Everything worth knowing about Take Home

Worked examples with real figures, the rules underneath the number, and the traps that catch people out.

Take home pay calculator: your monthly net pay, worked out

A take home pay calculator shows what lands in your bank account after income tax, National Insurance, pension and student loan deductions. On £35,000 a year in 2026/27 that is roughly £2,277 a month or £525 a week, before any overtime or bonus.

Shift work, four weekly pay and variable hours make single payslips misleading, because two consecutive slips rarely match. Run the pattern you are actually paid on and you get a take home pay figure you can build a standing order around.

Budgets run on take home pay, never on the salary in the offer letter.

How the Take Home Pay Calculator works: the order payroll applies deductions

Deductions are not a flat set that each take a bite of the same cake. They run in sequence, and the sequence decides the cost of every one after the first.

Pension goes first under salary sacrifice, leaving gross pay before tax and National Insurance ever see it. Under relief at source it leaves net pay instead and HMRC tops the pot up. Same percentage on paper, different payslip.

Income tax then applies band by band against the tax code. National Insurance follows, worked out per pay period rather than across the year. Student loan sits on top of all of it and never reduces taxable pay.

Change the order and the answer changes. That is why a payslip with the same gross as a colleague's can pay a different net.

Pay flow

Gross, pension, tax, National Insurance, net

72%

14%

Net pay
Income tax
NI
Pension
Student loan

Monthly pay against four weekly pay

£35,000 paid monthly gives twelve payments near £2,277. The same salary paid every four weeks gives thirteen payments near £2,101, and one month a year carries two of them.

The yearly total is identical. The cash flow is not, and a budget built on the wrong take home pay figure breaks in the month with the short gap between paydays.

Overtime lands on top of a normal month, so it is taxed at the rate of the band it falls into rather than your average rate. Twelve hours at time and a half on a basic rate salary hands back roughly two thirds.

Worked payslip

Gross to net, line by line

Sample payslip

Month 06 · 2026/27

Gross pay

£2,916.67

Pension (5%)

£145.83

Taxable pay

£2,770.84

Income tax

£373.83

National Insurance

£149.52

Net pay

£2,247.66

What a UK pay rise is really worth after tax

New pay stacks on top of old pay, so it is charged at the rate of the band it lands in rather than your average rate. A £3,000 rise that crosses the higher rate threshold can hand over roughly £1,240 of itself.

Run the current salary, note the net. Run the new one, note the net. The difference between those two figures is the only number worth celebrating.

Then route part of the rise into the pension. Take home barely moves, the pot jumps and the tax bill falls. On the wrong side of a threshold that trade is close to free money.

Pension contributions, tax relief and take home pay

A pound in the pot costs a basic rate taxpayer eighty pence of take home and a higher rate taxpayer sixty. Inside the allowance taper it can cost forty. The band you sit in sets the price.

Salary sacrifice removes the contribution from gross pay, so it avoids National Insurance as well as income tax. Relief at source takes it from net pay and HMRC adds the basic rate back, leaving higher rate taxpayers to claim the rest through self assessment.

Employer matching outweighs a small salary difference within a couple of years, and the gap keeps widening for the rest of a working life.

Where each pound goes

Where each pound of salary lands

72%

14%

Net pay
Income tax
NI
Pension
Student loan

Four things that quietly change your result

A tax code change mid year. HMRC adjusts the code, payroll applies it, and the letter explaining it rarely gets read. Check the code on the payslip against the one you expect.

A taxable benefit such as private medical cover. It shrinks the allowance, so a perk raises the tax bill and take home falls in the month it starts.

A switch to salary sacrifice. Gross drops before anything else, which changes every line beneath it and can affect mortgage affordability too.

A bonus month. Income tax evens out across the year through the cumulative system. National Insurance never does.

The five year view: small monthly gaps become big money

Sixty payslips turn small monthly differences into serious money. A £40 monthly gap is £2,400 across five years before anything grows.

Pension shows it hardest. Two extra percent on £45,000, matched by an employer and topped by relief, adds close to £2,000 a year to the pot. Compound that for thirty years at a modest rate and it clears six figures.

Multiply the monthly gap by sixty for the cash answer, then apply growth to the yearly pension gap for the long one.

Five year view

The same decision, five years apart

Year 1

£480

Year 2

£960

Year 3

£1,440

Year 4

£1,920

Year 5

£2,400

A £40 monthly gap kept for five years adds up to £2,400 before any growth.

Where the Take Home Pay Calculator gets its figures

Rates, bands and thresholds follow published HMRC and gov.uk figures for the 2026/27 tax year, held in one table that every tool reads. April arrives, the table changes, and the results move together.

Earlier years stay available through the year selector, so a late self assessment runs on the numbers that applied at the time rather than today's.

Some cases still need an accountant. K codes carrying negative allowances, bespoke sacrifice arrangements, the annual allowance taper for very high earners, and anything involving two employments at once.

More UK pay and tax calculators

Take Home Pay Calculator answers one question. The salary calculator turns gross into net, the income tax calculator splits the bill by band, the National Insurance calculator shows the step at the upper limit, and the pension calculator prices a percentage change three ways at once.

Every tool reads the same rate table, so two pages never disagree. Run this one, note the figure, then open the next and watch which line moves.

What the number will not tell you

Cash is the floor of a decision, not the decision. An hour a day handed back by a shorter commute is roughly two hundred and fifty hours a year, and nothing prices that against a manager worth working for.

Some benefits convert cleanly. Health cover has a taxable value, a learning budget has a receipt, extra leave has a daily rate. Share options that vest over four years and enhanced parental leave do not, so weigh those separately rather than treating them as salary.

Example gallery

Real inputs, real outputs

Graduate starter

First job, default workplace pension.

rUK

Gross / yr

£28,000

Pension

Income tax

£3,086

£1,234

Take home / month£1,857

Mid career

Standard tax code, modest pension uplift.

rUK

Gross / yr

£45,000

Pension

Income tax

£6,486

£2,594

Take home / month£2,768

Higher rate

Crossing the higher rate band.

rUK

Gross / yr

£72,000

Pension

Income tax

£16,232

£3,451

Take home / month£3,880

Scotland mid

Scottish bands applied.

Scotland

Gross / yr

£45,000

Pension

Income tax

£6,882

£2,594

Take home / month£2,773

About this calculator

The Take Home Pay Calculator shows the cash that lands in your bank each month or week from a UK salary, after every deduction. Use the toggle to switch between pay periods.

Quick reference

Allowance 0%

Basic 20%

20%

Higher 40%

40%

Additional 45%

45%

Frequently asked questions

Why does my take home pay drop later in the year?+

Bonuses, commission and overtime push a single month into a higher band, and student loan deductions rise with the same spike. The yearly total stays correct, but the monthly figure moves. Compare the annual result rather than one payslip.

Does the result account for salary sacrifice benefits?+

Sacrificed amounts such as pension, cycle schemes and electric car leases come off before tax and National Insurance. Enter them as a pension style deduction and the take home figure reflects the saving.

How close will this be to my actual payslip?+

Usually within a pound or two a month for a standard tax code with no arrears. Differences appear when payroll is still correcting an earlier month, when a benefit in kind sits in your code, or when your employer runs a non standard pay period.

How much is £30,000 after tax per month?+

About £2,093 a month in 2026/27. Income tax is £3,486 and National Insurance about £1,394, leaving £25,120 a year before pension or student loan.

What is my take home pay on £50,000?+

Roughly £39,444 a year, or £3,287 a month, on a standard tax code with no pension. Income tax is £7,540 and National Insurance about £3,016.

Is take home pay before or after pension contributions?+

After. Take home pay is what reaches your bank account once income tax, National Insurance, pension contributions and student loan repayments have all come off.

Why is my take home pay different every month?+

Variable hours, overtime, commission and bonuses all move the monthly figure, and National Insurance is calculated per pay period so uneven months cost more NI. Compare the annual totals instead of single payslips.