Take-home · 2026/27
What lands in your bank account.
Income tax, employee NI, optional student loan plan, pension salary sacrifice. Live as you type.
Student loan plan
Net take-home
Per month £3,635£3,635 · Effective rate 27.3%
Where it goes
Income tax
National Insurance
Student loan
Pension contribution
Take-home
Salary sacrifice reduces gross pay before income tax + NI are calculated, which is the most tax-efficient form of pension contribution. Confirm with your employer's scheme rules before relying on these numbers.
Want this number actually filed?
We do this for ~120 UK clients quarterly. From £350/yr.