UK Pension & Tax Calculators

Employees paid through PAYE in England, Wales, Northern Ireland and Scotland. Each tool says on the page what it covers and what it leaves out. Every figure is an estimate from the rates below; your payslip and HMRC's own records are final.

Answers: If I pay into my pension by salary sacrifice, how much less take-home pay do I get, and what does the April 2029 cap change?

You need: Your salary, your pension contribution and where you pay income tax (more details optional)

Compares the same pension paid by salary sacrifice, net pay and relief at source; covers Scotland, student loans, the Child Benefit charge, the £100,000 limits and the minimum wage; works NI out on each payday.

Open the pension salary sacrifice calculator →

Answers: What does my student loan take from my pay each month, what is my take-home pay, and when is the loan cleared or written off?

You need: Your plan and your pay before tax (balance and other details optional)

Plans 1, 2, 4, 5 and postgraduate, alone or together; rounded the way payroll rounds; salary sacrifice and bonus months; a month-by-month lifetime model with three scenarios; the Plan 2 threshold freeze.

Open the student loan repayment calculator →

Answers: The job advert says "pro rata" or part-time: what will I actually be paid, what is my take-home pay and how much holiday do I get?

You need: The full-time pay from the advert and your hours (term-time weeks and other details optional)

Takes the pay as printed (a year, a month or an hour), your hours or days, term-time only or part-year work; shows pay each payday, take-home pay with Scotland, student loans and pension, holiday with bank holidays, and what one more hour adds.

Open the pro rata salary calculator →

Answers: How much of my bonus do I keep after income tax, National Insurance and student loan, and why does the bonus payslip look taxed at 40%?

You need: Your pay, the bonus amount and your tax code (pension and other details optional)

Works out the bonus payslip by HMRC's cumulative method for the month it is paid, next to a usual payslip; shows the extra tax taken on the bonus payday and handed back later; covers bonus sacrifice into a pension, Scotland and every student loan plan.

Open the bonus tax calculator →

BR on your payslip? What it means, why you have it, what it does to your pay and how to put a wrong code right.

Read the BR tax code guide →

• Personal allowance £12,570
• Basic rate 20% on the first £37,700 of taxable income, higher rate 40% to £125,140, additional rate 45% above (England, Wales and Northern Ireland)
• Employee National Insurance 8% from £1,048 to £4,189 a month, 2% above
• From April 2029, £2,000 a year of pension salary sacrifice free of NI

Scotland has its own income tax bands; the calculators include them. Sources: HMRC, Income Tax rates and allowances, HMRC, Rates and allowances: National Insurance contributions and HM Treasury and HMRC, Changes to salary sacrifice for pensions from April 2029.

Rates are checked against gov.uk after each Budget and before each tax year starts on 6 April; every tool shows the date it was last reviewed. See the methodology and the editorial policy. The gold tools on this site take any currency, pounds included: see all gold tools.