Understanding your take-home pay in the UK can be complex with income tax, National Insurance contributions, pension deductions, and student loan repayments all affecting your net salary.
SupaCalc provides instant, accurate calculations based on the latest HMRC tax rates for the 2025/26 tax year. Whether you're negotiating a new job offer, planning a career change, or simply want to understand your payslip better.
Your gross salary is reduced by several mandatory and voluntary deductions
Calculate your UK take-home pay with our range of free tools, updated for the 2025/26 tax year.
Current income tax bands and National Insurance thresholds
Scotland has different income tax bands. View Scottish tax rates
Trusted by employees, employers, and financial professionals across the UK
Compare job offers by calculating the real take-home pay difference. Understand how salary, location, and benefits affect your net income.
Quickly estimate employee costs and net pay for budgeting. Calculate employer NI contributions and total cost of employment.
Model different salary scenarios for clients. Plan pension contributions, salary sacrifice, and tax-efficient remuneration strategies.
Everything you need to understand and plan your UK income
Calculate income tax using the Pay As You Earn system. Supports all UK tax codes including BR, 0T, K codes, and Scottish rates.
Compare two salaries side-by-side with full tax breakdowns. Perfect for evaluating job offers or pay rise negotiations.
Calculate pension contributions and tax relief. Model salary sacrifice vs net pay arrangements for maximum tax efficiency.
Calculate repayments for Plan 1, Plan 2, Plan 4, Plan 5, and Postgraduate loans. See when you'll pay off your student debt.
See how much tax you'll pay on bonuses and one-off payments. Understand why bonuses often appear to be taxed at higher rates.
Calculate savings from salary sacrifice schemes including childcare vouchers, cycle to work, and electric car schemes.
Advanced salary planning tools for professionals
Calculate inside vs outside IR35 scenarios. Compare limited company, umbrella, and PAYE options.
Plan optimal salary and dividend mix for company directors. Calculate corporation tax and dividend tax.
Model full tax year scenarios with variable income. Optimize pension contributions and Gift Aid.
Generate professional salary breakdowns. Share with employers, mortgage lenders, or accountants.
Comprehensive guides to help you understand UK taxes, benefits, and financial planning
Tax bands, rates, personal allowance, and how to reduce your tax bill
Read guideNI classes, thresholds, and what your contributions pay for
Read guideWorkplace pensions, tax relief, and retirement planning
Read guideRepayment plans, thresholds, and when loans are written off
Read guideUC eligibility, PIP, Child Benefit, and working while claiming
Read guideSole trader vs limited company, IR35, and tax planning
Read guideAffordability, repayments, overpayments, and first-time buyer schemes
Read guideWork out your mortgage affordability, monthly payments, and potential savings from overpayments
Common questions about UK salary calculations
See what UK employees say about SupaCalc
"Used this to compare two job offers. The side-by-side comparison showed me the higher salary actually meant less take-home due to the commute costs and pension differences."
Sarah Mitchell
Software Engineer, London
"Finally a calculator that handles Scottish tax rates correctly! I've tried others and they all gave wrong figures. This one matches my actual payslip perfectly."
James Chen
Financial Analyst, Edinburgh
"I use this for our HR team to quickly give candidates accurate salary expectations. The breakdown charts make it easy to explain deductions to new starters."
Emma Thompson
HR Manager, Birmingham