What Is UK Take Home Pay?
UK Take Home Pay is a free, independent suite of tax calculators designed to help workers across the United Kingdom understand exactly what they earn after deductions. We take the complexity out of HMRC tax tables and translate them into clear, instant answers.
Whether you are a salaried employee, a self-employed contractor, or someone considering a new job offer, our tools give you an accurate picture of your net income in seconds. Every calculation is performed entirely in your browser — we never collect, store, or transmit your salary data.
Our Mission
Tax shouldn't be confusing. Millions of UK workers receive payslips every month without fully understanding how their deductions are calculated. Our goal is to make tax transparent and accessible to everyone, from school leavers entering their first job to senior professionals navigating the personal allowance taper.
We believe that understanding your take home pay is the foundation of good financial planning. When you know exactly where your money goes, you can make better decisions about pensions, savings, career moves, and lifestyle.
What We Cover
Our calculator suite includes over 15 specialist tools:
- Salary calculator — income tax, National Insurance, student loans, and pension contributions
- Self-employed calculator — Class 2 and Class 4 NI, plus income tax on profits
- Dividend tax calculator — for company directors and shareholders
- IR35 calculator — inside vs outside IR35 comparison
- Salary sacrifice calculator — pension contributions and tax savings
- Mortgage affordability — how much you can borrow on your salary
- Stamp duty calculator — England, Wales, Scotland, and first-time buyers
- Pension calculator — projected retirement income
- Capital gains tax, inheritance tax, bonus tax, maternity pay, and more
Beyond calculators, we publish in-depth articles on topics like the £100K tax trap, pension vs ISA decisions, and the highest-paying jobs in the UK. Our guides section covers practical skills like reading your payslip and understanding tax codes.
Data Sources and Accuracy
All calculations use official rates and thresholds published by HM Revenue & Customs (HMRC) for the 2025/26 tax year (6 April 2025 to 5 April 2026). We update our calculators promptly when HMRC announces changes, typically within days of the Autumn Statement or Spring Budget.
Key sources include:
- HMRC Income Tax Rates and Bands
- National Insurance Rates and Categories
- Student Loan Repayment Thresholds
- ONS Annual Survey of Hours and Earnings (for salary statistics)
For a detailed breakdown of our calculation methodology, see our methodology page.
Important disclaimer: Our calculators provide estimates for informational purposes only. Results may differ from your actual payslip due to employer-specific adjustments, benefits in kind, Scottish income tax rates, or other individual circumstances. This site does not provide financial, tax, or legal advice. For personal tax matters, consult a qualified accountant or contact HMRC directly.
Privacy and Your Data
Your privacy matters to us. All salary calculations run entirely in your browser using JavaScript — no salary data is ever sent to our servers. We use Google Analytics for anonymous usage statistics and Google AdSense to keep the site free. For full details, see our privacy policy.
Ready to find out your take home pay?
Use our free calculator →