Why can take-home pay differ from a payslip?
Payroll timing, employer pension setup, benefits, tax-code changes, salary sacrifice, bonuses, and previous-period adjustments can all make a real payslip differ from a planning calculator.
PayBreakdown - Salary Calculator & Budget Manager
Take-home pay calculator
Calculate monthly, weekly, daily, and annual UK take-home pay after tax, National Insurance, pension, and student loan deductions.
What this page helps with
Use this page when the question is simple: how much pay actually lands after deductions? The interactive calculator shows gross salary, tax, National Insurance, pension, student loan, and net pay side by side.
Frequently asked questions
Does take-home pay include pension deductions?
Yes, if pension settings are entered. You can model different pension methods and rates.
Last updated 2026-05-07. Planning estimates only. Not financial advice.