Turn your salary into a clear take-home figure.
Estimate your monthly and annual take-home pay after Income Tax and employee National Insurance, so you can understand what your salary could mean for your everyday finances.
Gross salary is only one part of your payslip.
Income Tax and National Insurance can change the amount that actually reaches your bank account.
See how much of your salary you could take home.
Enter your gross salary and basic details to get an illustrative estimate of annual and monthly take-home pay after Income Tax and employee National Insurance.
Enter your salary
Use your gross annual salary before Income Tax and National Insurance deductions.
Your take-home pay
Your advertised salary is not usually the amount you receive.
Gross salary is your pay before deductions. Take-home or net pay is the amount left after deductions such as Income Tax and employee National Insurance.
Your actual payslip may also include pension contributions, student loan repayments, salary sacrifice and other payroll adjustments.
A take-home estimate can make salary comparisons clearer.
Comparing salaries based only on gross annual pay can hide differences in deductions and pension arrangements.
A take-home estimate can help when assessing a new job, reviewing a pay rise, setting a household budget or comparing different employment offers.
What can reduce your gross salary?
Your payslip can contain several deductions. Understanding the main categories makes it easier to interpret your take-home pay.
Income Tax
Income Tax is generally deducted through PAYE for employees. The amount depends on taxable income, allowances and your tax code.
National Insurance
Employee National Insurance contributions are calculated using the applicable earnings thresholds and rates.
Pension Contributions
Workplace pension contributions can reduce the amount available as take-home pay, depending on how the scheme operates.
Look beyond the headline salary.
A higher gross salary does not automatically mean the same percentage increase in take-home pay. Tax bands and other deductions can affect the final difference.
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Salary Calculator FAQs
Common questions about gross salary, take-home pay, Income Tax and National Insurance.
Know your salary. Understand your take-home.
Use the calculator to estimate your pay and explore more GrowthSmartly tax and personal finance tools.