Everything you need to know about understanding your pay and using our calculator.
Input your annual salary or hourly rate. Select the correct period from the dropdown.
Default is 1257L. If you live in Scotland, ensure "Scotland" is selected as tax bands differ.
Select your Student Loan plan and Pension % to get an accurate Net Pay figure.
Switch the toggle below the main calculator to reveal the Employer Modeller.
Click "Add Employee". You can enter Annual Salaries or Hourly Rates for each staff member.
See the total liability including Employer NI (15%) and Employer Pension contributions.
The total amount you earn before any tax, National Insurance, or other deductions are taken off.
The amount that actually lands in your bank account. Gross Pay minus all deductions.
A code (e.g. 1257L) that tells your employer how much tax-free income (Personal Allowance) you are entitled to.
BR: All income taxed at 20%.
D0: All income taxed at 40%.
K-code: You have untaxed income being collected via PAYE.
A tax on earnings that builds entitlement to state benefits.
Class 1 (Primary): Paid by employees (8% main rate).
Class 1 (Secondary): Paid by employers (15% main rate).
An arrangement where you agree to reduce your earnings in exchange for a non-cash benefit (like Pension or Cycle to Work). This lowers your Gross Pay, meaning you pay less Tax and NI.
A government initiative requiring employers to enroll eligible staff into a pension scheme. The standard minimum is 8% total (3% employer, 5% employee).