Formula
Subtract pension, apply personal allowance and marginal income tax bands, calculate employee Class 1 National Insurance and divide net annual pay by frequency.
UK payroll estimate
UK PAYE Salary Calculator
Estimate take-home pay from salary, pension contribution and pay frequency. Scotland, student loans, tax code changes and benefits in kind can change the result.
Estimated net pay
Enter values to calculate Calculation basis date: 17 May 2026. 2026/27 England, Wales and Northern Ireland PAYE bands.Calculation Basis and Official Sources
Calculation basis date: 17 May 2026. Uses GOV.UK Income Tax and National Insurance information for 2026/27.
- GOV.UK - Income Tax rates and Personal Allowances
- GOV.UK - Rates and allowances for Income Tax
- GOV.UK - National Insurance rates and category letters
Before payroll decisions, check HMRC, GOV.UK, your payslip, employer payroll team, accountant or qualified adviser.
Formula and Interpretation
How to read it
Use this to compare salary offers or payslip expectations. Actual PAYE depends on tax code, payroll period, student loan, salary sacrifice and employer settings.
This calculator and its examples are for general information and rough estimation only. They are not legal, tax, accounting, payroll, lending, mortgage, investment, insurance, medical or other professional advice.
Rates, bands, thresholds, deductions, credits, local rules, employer settings, lender terms, product rules and personal facts can change. We do not guarantee that the calculations are accurate, complete, current or suitable for your situation.
UK note: this page is not legal, tax, accounting, payroll, mortgage, benefits, insurance or financial advice. Check GOV.UK, HMRC, your employer, lender, solicitor, accountant or qualified adviser before acting.
Before You Rely on the Result
Practical examples
Estimate monthly net pay for a GBP 45,000 salary with 5% pension.
Change pension percentage to compare take-home pay and pension deductions.
Use this page for England, Wales or Northern Ireland; Scotland has different income tax bands.
What this includes
- Income Tax estimate
- Employee Class 1 National Insurance estimate
- Pension percentage entered by the user
What this does not include
- Scottish income tax bands
- Student loan, postgraduate loan and benefits in kind
- Tax code adjustments and salary sacrifice details
When to check official sources
Check HMRC, GOV.UK, your employer and a qualified adviser before relying on a PAYE amount.