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Thinking of applying for a new job or aiming for a promotion? Understanding how a change in salary affects your bank balance is essential. Our UK Salary Calculator cuts through the complexity of Income Tax, National Insurance, and Student Loan deductions to show you exactly what supports your lifestyle. Whether you are comparing mortgage affordability or forecasting the value of overtime, our tool transforms gross figures into clear daily, weekly, and monthly take-home realities.
Always up-to-date with 2023-2027 tax years and Scottish tax codes.
Comprehensive support for all Plans (1, 2, 4, 5) and Postgraduate loans.
Personalized, actionable tips for tax efficiency powered by Google AI.
Don't let gross pay fool you. Use our calculator to uncover the truth about your take-home pay, understand your tax code, and optimize your earnings.
Most UK employees start the 2024/25 tax year with the 1257L tax code. This entitles you to a Personal Allowance of £12,570, which is completely tax-free.
Unlike annual Income Tax, National Insurance is calculated per pay period (weekly or monthly). It funds essential state services like the NHS and your future State Pension.
Employees typically pay Class 1 NI. Our calculator is constantly updated with the latest government thresholds and rates, ensuring your net pay estimation is precise down to the penny.
Salary Sacrifice is one of the most effective ways to reduce your tax bill. By exchanging a portion of your gross salary for employer pension contributions, you lower your taxable income.
This reduces both your Income Tax and National Insurance liabilities. It's especially powerful for high earners looking to avoid the 60% tax trap (caused by the loss of Personal Allowance over £100k).
Whether you're on Plan 1, 2, 4, 5, or a Postgraduate Loan, repayments are taken automatically when you earn above a specific threshold.
Our tool handles these concurrent deductions effortlessly. For example, Plan 2 borrowers pay 9% on income above the threshold. We calculate this instantly so you know exactly what remains in your pocket.