Tap any value to edit
Salary
£
Pension
%
Bonus
£
Student loan
Take-home
£4,021/mo
£48,257 a year
Reference
Know your take-home pay.
Ask for the right salary.
Calculate your monthly pay, compare job offers, and see exactly where your salary sits against the UK market — before you accept, apply, or negotiate.
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1
Your Salary Details£
£15k£250k
Take-home pay
£4,021.45
a month£48,257 a year·£4,021 a month·£928 a week·£186 a day
Take-home£48,257
Income Tax£13,432
NI£3,311
Effective rate
25.8%
Marginal rate
40%
Personal allowance
£12,570
Tax year
2026/27
For every £100 you earn, £74 lands in your account. The other £26 covers income tax and NI.
Full breakdown02 · Breakdown
Where the rest goes.
Line itemShare of gross%MonthlyAnnual
Take-home
What lands in your account
74.2%
£4,021
£48,257
Income Tax
20.7%
£1,119
£13,432
National Insurance
8% main · 2% above £50,270
5.1%
£276
£3,311
Gross
What you negotiated
100%
£5,417
£65,000
💡
On your next £1,000 raise you'd keep £580 — 42% goes to HMRC and friends before you see it.
Your marginal rate sits at 42%. That's the rate that matters when you're weighing a pay rise, a bonus, or whether to push for more.
03 · Benchmark
Where you sit on the curve.
A reality check, gently administered. Pick a comparison group.
Pick a job group and see where your salary lands. Most people cluster in the middle of the curve — the further right your marker sits, the better paid you are versus your peers. Powered by ONS data covering 11 UK regions. Currently showing the November 2025 release — next update due November 2026.
Top 29%
of workers in this group
+£12,703
vs median above
£52,297
group median salary
04 · Compare
Lay two offers side by side.
A £5,000 raise isn't a £5,000 raise. Here's what each is worth in pounds you can actually spend.
Two offers can look completely different on paper but land almost identically in your bank account — or the other way around. A higher salary with a bigger pension contribution, a different student loan plan, or a taxable bonus can easily flip which offer actually wins. Enter both below and see the real monthly difference after everything has been taken out. The number that matters isn't the headline — it's what arrives on payday.
Tap any value to edit
Salary
£
Pension
%
Bonus
£
Student loan
Take-home
£4,438/mo
£53,257 a year
↑£417/mo(£5,000/yr) vs reference
Compare against:Full breakdown →
05 · Questions
Things people ask.
01Is this an official HMRC tool?+
No. The Take-Home Pay is a friendly approximation to help you understand an offer letter — not a substitute for proper tax advice. The maths is reasonable; HMRC is the source of truth.
02What tax year is this?+
2026/27 by default — personal allowance £12,570, basic-rate threshold £50,270, additional-rate threshold £125,140, NI 8% / 2%. You can switch to 2025/26 on the full calculator page.
03How is pension treated?+
We assume salary sacrifice — your contribution is deducted from gross before tax and NI are calculated. That means a 5% pension contribution costs you less than 5% of your net pay.
04What about Scotland?+
Scotland has its own income tax bands. The homepage uses UK-wide rates. Switch to Scotland on the full calculator page for exact figures.
05Does this share my data?+
No. Everything runs in your browser. We collect nothing, store nothing. Clear the page and the numbers disappear with it.
06Where does the market data come from?+
Office for National Statistics (ONS) Annual Survey of Hours and Earnings. Full-time employees, annual gross pay. Use it to gut-check, not to negotiate by.
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