Salary guides
How UK take-home pay is calculated
A plain-English walk through the deductions between your gross salary and the money that reaches your bank account.
Salary sacrifice, net pay and relief at source explained
How the three common workplace pension arrangements change your tax, National Insurance and take-home pay.
How much of a pay rise do you actually keep?
Why a £2,000 rise rarely means £2,000 more in your pocket — and the income levels where you keep the least.
Related calculators
Take-Home Pay Calculator
Full breakdown of tax, NI, pension and student loan.
Hourly to Annual Salary Calculator
Turn an hourly rate into annual, monthly and weekly pay.
Pay Rise Calculator
See how much of a pay rise you actually keep.
Bonus Tax Calculator
Estimate the tax and NI taken from a bonus.
Pension Contribution Calculator
Compare relief at source, net pay and salary sacrifice.
Student Loan Calculator
Repayments for Plans 1, 2, 4, 5 and Postgraduate Loans.
Overtime Pay Calculator
Work out what extra hours add to your take-home pay.