Take-home pay per payday
Type your salary or hourly rate and how often you're paid. It works out what lands each payday after tax, National Insurance, student loans and your pension, and what that comes to over the year.
Estimate · figures checked 23 Oct 2026 · guidance, not advice · sources
Good to know
- It covers one job's regular pay, with no bonuses, overtime, benefits in kind or other deductions.
Questions
Why per payday?
Because that's what you budget with. The year's figures are the payday figures added up.
Which tax codes does it handle?
Codes ending L, M, N or T, such as 1257L; K codes; BR, D0, D1, NT and 0T; S (Scotland) or C (Wales) in front; and the emergency W1, M1 and X. Left empty, it uses the standard £12,570 Personal Allowance, with the taper over £100,000.
How do the pension types differ?
Relief at source comes out after tax and the scheme adds basic-rate relief: you pay £80, £100 goes in. Relief above that is usually claimed through Self Assessment; with no tax code typed, the tax here includes it. Net pay comes out before tax. Salary sacrifice comes off your pay before tax and National Insurance.
Why might my payslip be different?
Payroll works tax out across the year, so a pay rise, bonus or new code changes it. Some years have 53 weekly paydays.
Where the figures come from
The rates in force, checked 23 October 2026:
- PAYE bands, National Insurance and student loan thresholds, 2026 to 2027
- Income Tax rates and the Personal Allowance taper over £100,000
- Scottish Income Tax rates
- Tax codes, and the half-of-pay limit on K codes
- Student loan repayments: 9%, or 6% for a Postgraduate Loan, rounded down to the pound
- Pension tax relief: relief at source and net pay
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