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Take Home Pay Calculator

See exactly how much you take home after tax, NI, and all deductions.

Multi-Period Breakdown

Annual, monthly, weekly, and daily take home

Deductions Waterfall

Visual breakdown from gross to net pay

UK & US Supported

PAYE, NI, student loans — or federal brackets, FICA, 401(k)

Calculate Your Take Home Pay

See exactly how much lands in your bank account after all deductions.

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How Your Take Home Pay Is Calculated

The Deduction Process

Your employer starts with your gross salary and works through deductions in order: first pension or 401(k) contributions (which reduce taxable income), then income tax based on the remaining taxable amount, then payroll taxes (NI or FICA), and finally any student loan repayments. What remains is your net take home pay.

Why Net Pay Varies

Two people on the same gross salary can have very different take home pay depending on pension contributions, student loan plan, tax code, and country (Scotland has different rates). In the US, filing status and state taxes create further variation. Use this calculator to see your specific situation.

What Reduces Your Net Pay

Mandatory Deductions

Income tax (progressive rates on earnings above your personal allowance or standard deduction), National Insurance or FICA (payroll taxes funding state benefits), and student loan repayments (UK only, 6-9% above threshold).

Voluntary Deductions

Pension or 401(k) contributions, salary sacrifice schemes (cycle to work, childcare vouchers), private medical insurance, and charitable giving through payroll. These reduce your gross pay but often provide tax advantages.

How to Use This Take Home Pay Calculator

1

Enter Gross Salary

Your annual salary before any deductions.

2

Select Deductions

Choose UK or US, add pension and student loan details.

3

See Net Pay Breakdown

Annual, monthly, weekly, daily — plus waterfall chart.

Ways to Increase Your Take Home Pay

  • Optimise pension contributions. Salary sacrifice saves NI as well as income tax — the true cost of a £100 pension contribution for a higher-rate taxpayer is as low as £52.
  • Use salary sacrifice benefits. Cycle to work, electric car schemes, and childcare vouchers all reduce your taxable pay, increasing net pay while giving you valuable benefits.
  • Check your tax code. An incorrect code means wrong deductions every month. Check via your HMRC personal tax account or payslip.
  • Claim marriage allowance. If your partner earns under £12,570, they can transfer £1,260 of allowance to you — saving up to £252 per year.
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Frequently Asked Questions