Input Details
Detailed Salary Breakdown
Enter your details and click 'Calculate' to see the breakdown.
Pay Period Overview
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Assumes 15% NIC above £5,000 threshold.
Monthly Pay Breakdown (Summary)
| Month | Gross Pay | Tax | NIC | Deductions | Net Pay | YTD Net Pay |
|---|---|---|---|---|---|---|
| Calculated monthly breakdown will appear here. | ||||||
Employer Payroll Modeller
Estimate total liability for your entire team.
Liability Breakdown (Monthly)
True Cost Analysis
The red bar represents the total cash leaving your business, including employer taxes and pension contributions.
Common Salary Scenarios
Why Use This Calculator?
2025/26 Ready
Calculations use the latest confirmed tax bands and rates effective from 6th April 2025.
Employer Mode
Switch to 'Employer View' to calculate total cost of employment, including Employer NI and Pension liabilities.
Smart Scenarios
Use the 'Trajectory' tool to compare different salary offers side-by-side and visualize your YTD net pay growth.
Budget Planner
Have a total budget? Use the 'Budget to Salary' tool to work backwards and find the affordable gross salary.
Visual Insights
Don't just see numbers. Understand where every penny goes with interactive charts and stacked bars.
Privacy First
Client-side only. Calculations happen instantly on your device. We never transmit your financial inputs to our servers.
Understanding Key Terms
Gross Pay
The total amount of money you earn before any deductions are made. This is the headline figure often quoted in a job offer.
Personal Allowance
The amount of income you can earn each tax year without having to pay any Income Tax. This can be reduced for higher earners.
Taxable Income
The portion of your gross pay that is subject to Income Tax. It's calculated after deducting your Personal Allowance and any reliefs like pension contributions.
National Insurance (NIC)
A tax on earnings that qualifies you for certain state benefits, including the State Pension and statutory pay. It is separate from Income Tax.
Tax Code
A code (e.g. 1257L) used by your employer to calculate how much tax to deduct. It tells them how much tax-free pay you are entitled to.
Student Loan
Repayments on loans for higher education. These are deducted automatically via PAYE only on earnings above specific plan thresholds.
Pension
A long-term savings plan for retirement. Contributions are often tax-efficient, meaning they reduce your overall taxable income.
Salary Sacrifice
An agreement to reduce your gross salary in return for a non-cash benefit, such as increased pension contributions. This can lower your tax and NIC bill.
Net Pay
Also known as 'Take Home Pay'. This is the final amount that lands in your bank account after all taxes and deductions have been taken.
Frequently Asked Questions
Yes. This calculator is 100% free to use for unlimited calculations. There are no hidden fees or paywalls.
No. You can use the tool instantly without creating an account or providing an email address.
No. This calculator runs entirely in your web browser. No salary data is sent to our servers or stored in any database. Your privacy is absolute.
'Cumulative' calculates tax based on your total earnings for the year to date. 'Month 1' (or Week 1) treats each pay period in isolation, ignoring previous earnings. You can toggle this setting in the Monthly Breakdown view.
Yes. The calculator uses the confirmed Income Tax bands and National Insurance rates for the 2025/2026 tax year (starting April 6th, 2025).
Toggle 'Show Employer Mode' to calculate the estimated cost of hiring. It adds Employer National Insurance and pension contributions to the Gross Salary to show the total liability.
Payroll software uses specific HMRC lookup tables or 'exact percentage' methods which can vary slightly in rounding. Small differences of a few pence or pounds are normal and usually due to how tax weeks/months align with your specific pay date.