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Take-Home Pay Calculator – Free Edition

What you really take home – in two minutes

Free

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Take-Home Pay Calculator – Free Edition

Overview

Your salary is not what reaches your bank account. Income tax, National Insurance (NI), student loan repayments and pension contributions all come off first – and how much depends on how your pension is paid, where you live and which tax year it is. This free calculator works it all out in a couple of minutes on a single sheet: your take-home pay for the year, month and week, every deduction, your effective rate and your marginal rate on the next £1,000 you earn.

Price
Free
Who it’s for
Lite & Free
Works with
Microsoft Excel for Windows and Mac
Buy now

See how it works

A walk through the main sheets

The sheets you will use most, in the order you will use them – shown with the sample data every workbook comes with.

Step 1

Step 2

Step 3

Step 4

Who it is for

Made for people like you

  • Example – text

Quick start

Up and running in minutes

  1. Example – text
  1. Choose the tax year – On the Calculator sheet, pick 2025/26, 2026/27 or 2027/28. A tax year runs from 6 April to the following 5 April.
  2. Enter your pay – Type your annual salary before tax and any bonus or commission you expect this year.
  3. Enter your pension – Type your own pension contribution as a % of salary and choose the method your employer uses.
  4. Loans and Scotland – Pick your student loan plan, any postgraduate loan, and whether you're a Scottish taxpayer.
  5. Read the results – The four tiles show your take-home a year and a month, your effective rate and your marginal rate. The breakdown and chart show every deduction.

Key features

  • Income tax (including Scottish rates), National Insurance and student and postgraduate loans for 2025/26, 2026/27 and 2027/28.
  • Pension by salary sacrifice, net pay or relief at source – and how much of it the taxman pays for.
  • Annual, monthly and weekly take-home, your effective rate and your marginal rate on the next £1,000.

What’s included

  • Calculator – Your inputs, take-home, breakdown and chart
  • Tax Rates – Rates and allowances
  • Guide – How to use this calculator

How buying works

Your file is only released once payment has cleared.

1

Click Buy now

You are taken to our secure checkout.

2

Pay securely

Checkout takes a minute and you get a receipt by email.

3

Download your file

Your download link arrives as soon as payment clears.

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Part of AML Finance Group

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