Know Your Real
Take-Home Pay
Estimate your UK net salary after tax, National Insurance, pension and student loans — free and instant.
Choose Your Calculator
Pick the right calculator for your region and situation.
English Salary Calculator
For England & Northern Ireland tax rates
Open Calculator →Welsh Salary Calculator
For Wales-specific income tax bands
Open Calculator →Scottish Salary Calculator
For Scottish-specific income tax bands
Open Calculator →Hourly Rate Change
Calculate salary changes based on hours worked
Open Calculator →Salary From Hourly Rate
Convert your hourly rate to annual salary
Open Calculator →How It Works
Get your accurate take-home pay in three simple steps.
Enter your salary
Type your annual gross salary or hourly rate into the calculator.
Choose your options
Select your region, pension, student loan type and more.
See your breakdown
Get an instant, detailed breakdown of your take-home pay.
What's included?
Available without purchase — every feature is available to everyone.
Income Tax
All UK income tax bands for 2025/26
National Insurance
Class 1 NI contributions accurately calculated
Pension Contributions
Auto-enrolment and salary sacrifice pension options
Student Loan
Plans 1, 2, 4 and postgraduate loan repayments
Salary Sacrifice
See the tax savings from salary sacrifice schemes
Additional Income
Add other income sources to your total pay
Salary Insights
How Does Your Salary Compare?
Salary Crush Insights anonymously compares your pay against thousands of UK workers in your sector, role and experience level.
Explore Salary Insights →Common Questions
Everything you need to know about the calculator.
Salary Crush uses the official HMRC tax bands and thresholds published for the 2025/26 tax year. Results are highly accurate for most standard employment situations. For complex tax scenarios (e.g. two jobs, K tax codes), we recommend speaking with an accountant.
Yes — all calculators are updated for the current 2025/26 tax year, including the personal allowance, income tax bands, National Insurance rates and student loan thresholds.
Each calculation covers: income tax (England/Wales/Scotland bands), National Insurance Class 1, pension contributions (both standard and salary sacrifice), undergraduate and postgraduate student loan repayments, and additional taxable or non-taxable income.
Yes — our Scottish Salary Calculator uses the Scotland-specific income tax bands, which differ from England and Wales. Select Scotland from the home page or calculator options.
You can enter your pension contribution as a percentage of qualifying earnings or as a fixed monthly amount. The calculator supports both auto-enrolment (employee + employer contributions) and salary sacrifice arrangements, and shows the exact tax and NI savings.
Yes. Salary Crush supports Plan 1, Plan 2, Plan 4 (Scottish) and Postgraduate Loan repayments. Select your plan type in the calculator and it will deduct the correct amount based on your gross income.
Salary sacrifice is an arrangement where you give up part of your salary in exchange for a non-cash benefit (like pension contributions or an electric car). Because it reduces your gross salary before tax and NI, you pay less tax. Our calculator lets you model this directly.
No — all calculators are completely free and require no sign-up. Creating a free account unlocks extras like saving your calculations and accessing Salary Insights to compare your pay with others in your sector.