About My Take Home
An independent UK site that answers one question clearly: what will actually land in your bank account?
Why this site exists
Most people know their salary but not their take-home pay, especially after a pay rise, a move to Scotland or starting to repay a student loan. This site works it out in seconds, using the official rates for the current tax year. It's run by an independent UK writer and isn't linked to any employer, payroll company, bank or financial adviser.
How we calculate
- Income Tax: your pay minus the £12,570 Personal Allowance (reduced above £100,000), taxed using the England, Wales and Northern Ireland bands or the Scottish bands.
- National Insurance: 8% of pay between £12,570 and £50,270, and 2% above that.
- Student loans: 9% of pay above your plan's threshold, plus 6% above £21,000 for postgraduate loans.
- Pensions: "taken before tax" reduces the pay Income Tax is worked out on; salary sacrifice also reduces National Insurance and student loan repayments; "relief at source" is paid from your take-home pay, with 20% tax relief added by your provider.
We work everything out over the whole tax year using the standard tax code 1257L, then divide by 12 or 52. Real payslips are worked out period by period, so yours may differ by a few pounds, or by more if you have a different tax code, benefits in kind or more than one job. This site gives estimates, not financial advice.
Sources
GOV.UK rates and thresholds 2026 to 2027, Scottish Government, GOV.UK: repaying your student loan, The Pensions Regulator, GOV.UK minimum wage rates.
Spotted a mistake?
We'd rather be corrected than wrong. Get in touch.