Take-Home Pay Calculator UK (Payslip Truth)
Built to explain why two calculators can disagree. This tool separates pension method effects across PAYE tax, employee NI, and student loan deductions at pay-period level.
Inputs
Results
Updated for selected yearPer payslip period
Gross pay input£0.00
Pension contribution (gross target)£0.00
Pension deduction from payslip£0.00
Taxable pay£0.00
NI-able pay£0.00
Student-loan-able pay£0.00
Income tax deduction£0.00
Employee NI deduction£0.00
Student loan deduction£0.00
Postgraduate loan deduction£0.00
Estimated take-home pay£0.00
Annual projection
Annual gross pay£0.00
Annual pension (gross)£0.00
Annual pension deducted from pay£0.00
Annual income tax£0.00
Annual employee NI£0.00
Annual student loan(s)£0.00
Adjusted net income (estimate)£0.00
Estimated annual take-home£0.00
"Why your payslip differs" comparison
Same gross pay and same pension gross target, shown across all three pension methods.
| Method | Taxable pay | NI-able pay | Loanable pay | Take-home | Difference vs selected |
|---|
Assumptions and scope
Intended for planning and education. Check your real payslip and employer payroll setup for exact deductions.
Official references: payroll deductions, 2026/27 rates and thresholds, 2025/26 rates and thresholds, salary sacrifice PAYE treatment, student loan deduction basis.