Take-home pay calculator
Illustration of UK income tax, National Insurance, pension contributions and student loan repayments. Not payroll advice — check your payslip for exact figures.
£
5%
Annual take-home
£34,300
Monthly take-home
£2,858.30
Effective deduction rate
23.8%
Share of gross salary not received as take-home.
Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Income tax | £6,036 | £503.00 |
| National Insurance | £2,414 | £201.20 |
| Pension | £2,250 | £187.50 |
| Student loan | £0 | £0.00 |
| Take-home pay | £34,300 | £2,858.30 |
Breakdown of tax, NI, pension, student loan and net pay.
Pension contribution effect
Slide to see how an extra pension contribution might change take-home pay with your current method (salary sacrifice).
0%
Take-home without extra
£2,858.30
Per month
Take-home with extra
£2,858.30
Per month
Based on 2026/27 rules. Last checked 2026-10-13. Tax and NI rules change — verify on gov.uk before changing contributions.