Mortgage Tools
Your take-home pay
Work out your approximate monthly take-home after income tax, National Insurance and pension deductions.
Your salary
£
%
Salary-sacrifice style (deducted before tax). Leave 0 if unsure.Enter your details and press calculate to see your results.
Estimated take-home (monthly)
–
Take-home per year–
Income tax–
National Insurance–
Pension contribution–
Estimate only. Based on 2026/27 rates for England, Wales and Northern Ireland (Scotland has different bands). Assumes a standard tax code, salary-sacrifice pension, and excludes student loan repayments and other deductions. Figures are a guide and not tax advice.
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