Take Home Pay Calculator

Your gross salary is the total amount your employer pays you before tax, National Insurance, pension contributions and other deductions. You can find this on your job contract, offer letter, or at the top of your payslip. If you're paid hourly, multiply your hourly rate by your weekly hours, then by 52 for an annual figure.

Scotland has its own income tax bands and rates which differ from England, Wales, and Northern Ireland. Scottish residents pay different rates on income above the Personal Allowance. Your region is determined by where you live, not where you work. If you're unsure, check your tax code - Scottish taxpayers have an 'S' prefix (e.g., S1257L).

Under auto-enrolment, the minimum employee contribution is 5% of qualifying earnings. Your employer must contribute at least 3%. Many employers offer to match higher contributions - for example, if you put in 6%, they'll put in 6%. Check your pension scheme documents or ask HR. Pension contributions reduce your taxable income, so you get tax relief automatically.

Plan 1: If you started university in England/Wales before September 2012, or studied in Scotland/Northern Ireland. Threshold: £24,990. Plan 2: If you started in England/Wales from September 2012 onwards. Threshold: £27,295. Plan 4: Scottish students who started from September 1998. Threshold: £31,395. Postgraduate: For Master's or PhD loans taken after 2016. Threshold: £21,000. You repay 9% of income above your threshold. Check your Student Loans Company account if unsure.