Enter pay your way
Annual, monthly, weekly, daily or hourly. “Paid as” tells the app exactly how to interpret the number you enter.
AnnualMonthlyWeeklyDailyHourly
UK tax years 2025/26 and 2026/27
Know exactly what you will take home.
Calculate Income Tax, National Insurance, pension and Student Loan deductions with a salary calculator built to explain every pound—not hide it behind one final number.
4UK nations
158currencies
Offlinecore calculator
✓
Real app interfaceiOS and Android
£
Clear breakdownTax, NI and pension
EnglandWalesNorthern IrelandScotlandiPhoneAndroid
See the real app
Simple enough for a quick answer. Detailed enough to trust.
Explore the actual Take Home UK interface across the calculator, salary comparison, settings, currency conversion and dark mode.
Everything in one clear calculation
From gross salary to the money in your account.
Enter your pay in the format you know. Take Home UK handles the rest and lets you view the result in the period that matters to you.
Full salary ledger
See gross pay, pension, taxable income, Income Tax, National Insurance, Student Loan and take-home.
Any viewing period
Enter an annual salary and view monthly, weekly, daily or hourly results without recalculating.
Waterfall breakdown
Understand deductions versus take-home at a glance, without reading a wall of figures.
See what changed
A dedicated table compares 2025/26 with 2026/27 and shows every figure that moved, including the exact difference.
Accuracy is not an extra feature
Built around the details that change your real payslip.
Simple calculators often blur pension arrangements, mishandle the Personal Allowance taper, or count the money going into your own pension as tax. Take Home UK models those details explicitly and shows you what is happening.
Tax-year information is reviewed each year before new UK tax-year figures are published. Always check the tax year shown in the app before relying on a calculation.
✓
Verified and regression testedWorked examples stay locked to the penny.
The “60% trap”, made visible
Take Home UK detects the Personal Allowance taper and displays your actual computed marginal rate instead of a generic warning—counting only real tax, and showing the share of each £100 that goes into your pension separately.
Your pension arrangement changes the sums
Salary Sacrifice, Net Pay and Relief at Source each change the Income Tax, NI and Student Loan calculation base differently—including the higher-rate relief a Relief at Source pension claims back.
NI thresholds that line up with tax
National Insurance uses HMRC’s published annual thresholds, so the Upper Earnings Limit sits exactly where higher-rate tax begins—with no phantom band charging 40% tax and 8% NI at the same time.
Tax bands stay where they belong
Tax bands are applied as fixed-width slices of taxable income and do not incorrectly shift as Personal Allowance tapers.
Compare the money that matters
A bigger salary does not tell you the full story.
Turn on “Compare with old” to see exactly how much more—or less—a new salary leaves you after tax, NI, pension and Student Loan deductions.
- Compare two salaries side by side
- View the difference by year, month, week, day or hour
- Keep the same personal settings across both calculations
Made personal
Your pay pattern. Your deductions. Your view.
Adjust the details that change your result, without turning the calculator into a tax form.
Working pattern
Set hours and days per week for meaningful daily and hourly figures.
Pension
Choose your contribution percentage and how it's arranged—Salary Sacrifice, Net Pay or Relief at Source—or let the app use a sensible default if you're not sure.
Scottish tax
Switch to Scotland’s separate Income Tax band structure.
Student Loan
Plan 1, Plan 2, Plan 4, Plan 5, Postgraduate Loan or none.
National Insurance
Turn NI on or off and select the correct age band, including exemption above State Pension age.
Pay cadence
Weekly, two-weekly or four-weekly pay patterns are supported.
A UK salary, seen globally
Convert your take-home into 158 currencies.
Compare a UK offer with income abroad or check what your pay means back home. Pick a currency in Settings and see its live converted value shown alongside your take-home, with each one labelled by its currency name for quick scanning.
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The calculator stays offline-readyOnly live currency conversion needs a connection. Without one, that line quietly disappears.
LightTake-home£3,672.41
DarkTake-home£3,672.41
Designed for clarity
Light, dark or system—without compromising readability.
A clean card-based interface, IBM Plex typography and a proper native splash screen give Take Home UK a consistent identity across iPhone and Android.
Built to be understood
No mystery numbers.
The Help section explains every important concept in plain language—especially pension arrangements, Scottish tax and the Personal Allowance taper.
Transparent sources
Calculation rules are documented using information from HMRC, the Scottish Government and the Student Loans Company.
Clear disclaimer
Results are estimates for guidance and comparison. They are not financial, tax or legal advice.
Frequently asked questions
Before you calculate.
Which parts of the UK are supported?
Take Home UK supports England, Wales, Northern Ireland and Scotland. Enable Scottish tax rates in Settings when they apply to you.
Which tax years are included?
The app includes 2025/26 and 2026/27, with a dedicated view showing what changed between them.
Will Take Home UK be updated for future tax years?
We review and update Take Home UK each year before publishing new UK tax-year figures. Always check that you have selected the correct tax year and verify important decisions with official guidance or a qualified adviser.
Does the calculator work without internet?
Yes. The core salary calculation works fully offline. Only live currency conversion requires a connection.
Why might this differ from my payslip?
Your tax code, benefits, payroll adjustments, pension setup and employer-specific treatment can affect a real payslip. Take Home UK gives a detailed estimate based on the settings you select.
Is my salary information tracked?
The core calculator is designed to work locally and offline. Live currency conversion uses rate data without requiring an API key or tracking your salary calculation.
Get in touch
Questions, feedback, or a figure that looks wrong?
If a number in the app does not match your payslip, tell us what you expected and what you saw. That is the quickest way for us to check the calculation against the official figures.
Email us
Your salary, made clear
See what you will actually take home.
Download Take Home UK for iPhone or Android and calculate with confidence.