Inputs
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This version uses England/Wales/NI income tax bands (not Scotland) and employee NI Category A.
Results
Net pay (monthly)
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Net pay (yearly)
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Income Tax
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Employee NI
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Student loan
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Pension (salary sacrifice)
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How this calculator works
- Personal Allowance: £12,570 (tapers down above £100,000).
- Income tax bands: 20% / 40% / 45% on taxable income (England/Wales/NI model).
- Employee NI (Category A): 0% up to threshold, then 8%, then 2% above upper limit.
- Student loan: a % of income above your plan threshold (simplified annual calculation).
Disclaimer: general information only; not financial guidance. Real payslips can differ (tax codes, benefits, bonus timing, Scotland rates, etc.).