About This Calculator

Wondering what your payslip actually means? This free UK salary calculator breaks down exactly how much income tax, National Insurance, student loan, and pension comes out of your pay — so you know what’s really hitting your bank account each month.

What is this?

This is a free UK salary calculator that helps you understand exactly how much of your pay you take home after tax, National Insurance, student loan repayments, and pension contributions. It covers the 2024/25, 2025/26 and 2026/27 tax years and supports both England/Wales and Scottish tax rates.

All calculations run entirely in your browser — no data is sent anywhere. Your salary information never leaves your device.

Tools included
  • Take-Home Pay — Full salary breakdown with tax bands, NI, pension, and student loan.
  • Hourly Wage — Convert your hourly rate into annual salary and net pay.
  • Required Salary — Find the gross salary needed for a specific take-home amount.
  • Compare Salaries — Side-by-side comparison of two different salaries.
  • Compare Tax Years — See how budget changes affect the same salary across years.
  • Mortgage — Monthly payments, total interest, and amortisation schedules.
  • Student Loan — Repayment projections for all UK plans including write-off dates.
  • Debt Consolidation — Compare current debts against a single consolidated loan.
Data sources & accuracy

Tax thresholds, rates, and National Insurance bands are sourced from HMRC published rates. Student loan thresholds come from the Student Loans Company.

While every effort is made to ensure accuracy, this tool provides estimates only and should not be considered financial advice. For formal tax calculations, consult HMRC or a qualified accountant.

Privacy

This calculator runs entirely client-side in your browser. No salary data, personal information, or usage data is collected, stored, or transmitted to any server. The only item stored locally is your theme preference (light/dark mode) using localStorage.

Contact

Found a bug or have a suggestion? Get in touch at hello@salarycal.co.uk. Tax data is updated annually when new rates are confirmed by HMRC.

About SalaryCal

SalaryCal is a free online resource providing accurate salary and tax calculators for the UK. All tools are updated annually to reflect the latest HMRC rates, thresholds and tax legislation.

Our Mission

We believe everyone should be able to understand their pay and tax obligations without needing an accountant. Our calculators are designed to be simple, fast and accurate — running entirely in your browser with no data collection.