Net income estimator
Estimate take-home pay and explore how changes affect your net income.
Basic rate payer
Net monthly
£1,949.30
Effective deductions
15.2%
Enter 1 for full-time, 0.8 for four days a week, or 0.6 for three days.
1257L gives the standard £12,570 personal allowance.
Calculator only. Use Income to save your real income data.
Annual summary (PAYE portion)
Primary + PAYE extras (gross): £27,600.00
Pension contribution: £2,400.00
Income tax: £3,006.00
National insurance: £1,202.40
Net annual (PAYE): £23,391.60
Effective deductions: 15.2%
Monthly totals
Net monthly (PAYE): £1,949.30
+ Net-only sources: £0.00
Total net monthly: £1,949.30
Use the calculator to estimate take-home pay from salary, tax code, pension contributions and student loan plan. It is designed for quick planning, not payroll advice.
What it includes
The calculator estimates Income Tax, National Insurance, pension deductions and student loan repayments using the assumptions shown on the page.
- Gross annual salary and tax year
- Pension contribution percentage
- Student loan plan and postgraduate loan options
- Monthly and annual net income estimates
Best used for planning
Use the output to plan your monthly budget, compare job offers, test pension contributions and understand how much income is actually available for bills, goals and savings.
Common questions
Is this a payroll calculator?
No. It is a planning estimate for UK take-home pay. Your payslip can differ because of benefits, tax code changes, salary sacrifice, bonuses or payroll timing.
Can I use it for student loans?
Yes. The calculator includes common UK student loan plans and postgraduate loan options so you can estimate the effect on take-home pay.
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