What employees really take home
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A salary figure on its own says little about what actually reaches your bank account. Income tax, National Insurance, pension contributions, student loan repayments and, for parents, the High Income Child Benefit Charge all come off first – and how much depends on how your pension is paid and which tax year it is. This calculator works out an employee's take-home pay for the year, month and week, shows a typical payslip, works out the marginal rate (how much of each extra pound you keep), and shows what a pay rise is really worth. It also shows the employer's side: employer NI, employer pension and the total cost of employing someone.
See how it works
The sheets you will use most, in the order you will use them – shown with the sample data every workbook comes with.
Step 1
A typical payslip for the chosen pay frequency, with the full-year figures and the employer's costs. What you do: nothing to enter.
Step 2
Take-home, tax and NI, effective rate and marginal rate at every salary from £10,000 to £200,000 in £2,500 steps. What you do: nothing to enter – use it to spot tax traps.
Step 3
The full PAYE calculation for your salary, your salary + £1,000, the new salary and every curve level. What you do: nothing to enter. Don't edit.
Step 4
Who it is for
Quick start
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Part of AML Finance Group
Our sister firm, AML Accountancy Solutions, is an award-winning accountancy practice helping businesses and individuals across the UK with their accounts, tax, bookkeeping and payroll.
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