tool · take-home pay

Take-home pay, calculated against the latest HMRC numbers.

Type a salary; the tool does the rest. Numbers update on every keystroke. No email walls, no popups, no nonsense.

annual salarypension %student loantax year

net per month

£3,864

£46,372/yr · £892/wk

gross£65,000
pension (5%)−£3,250
income tax−£12,132
national insurance−£3,246

Personal allowance £12,570Higher-rate threshold £50,270Additional-rate threshold £125,140Dividend allowance £500NI primary threshold £12,570Class 1 NI 8% / 2%Pension annual allowance £60,000ISA allowance £20,000Capital Gains AEA £3,000VAT registration threshold £90,000Personal allowance £12,570Higher-rate threshold £50,270Additional-rate threshold £125,140Dividend allowance £500NI primary threshold £12,570Class 1 NI 8% / 2%Pension annual allowance £60,000ISA allowance £20,000Capital Gains AEA £3,000VAT registration threshold £90,000

How this works

We apply the personal allowance (with the £100k taper if applicable), then income tax bands, then National Insurance, then your selected student-loan plan and pension contribution. England, Wales and Northern Ireland figures.

What we don't include: employer pension contributions, salary sacrifice schemes, benefits in kind, Scottish income tax bands. For those, give us a call.

Edge cases

Scotland: different bands. Salary sacrifice: changes both NI and income tax differently to a regular pension contribution. Bonuses paid into pensions: typically reduces NI as well as tax. Each is worth a five-minute call before you commit.

Want to keep more of this?

Pension top-ups, dividend timing, salary sacrifice, and a handful of legitimate expenses can move the needle. The right answer depends on your situation. Call 07809 590922 for a free 20-minute consultation.