About Take-Home
Take-Home is a free UK salary calculator built for clarity and speed. Enter your gross salary and see your real take-home pay instantly — no sign up, no email, no ads.
What it does
The calculator estimates your net annual and monthly pay after Income Tax, employee National Insurance, optional pension contributions, and any active student loan plan (Plan 1, Plan 2, Plan 4, Plan 5, or Postgraduate).
Methodology
Figures use the official HMRC thresholds and rates for the 2025/26 tax year (rest of UK — England, Wales and Northern Ireland). Pension contributions are modelled as salary-sacrifice and reduce taxable pay before Income Tax and National Insurance. The personal allowance tapers above £100,000 and is fully withdrawn at £125,140. See the full rate breakdown on the calculator.
Disclaimer
Results are estimates for guidance only and are not financial or tax advice. For personal advice, consult a qualified accountant or financial adviser.