About Your Take Home
Your Take Home (yourtakehome.co.uk) is a free, independent UK take-home pay calculator. It turns your gross annual salary into a clear, itemised breakdown of income tax, National Insurance, pension contributions, student loan repayments, and any post-tax household deductions — and shows what you actually have left to spend or save.
We built it because most existing UK salary calculators stop at "here's your monthly net" without showing the working. If you want to know why a £5,000 pay rise nets you only £2,900 above the higher-rate threshold, or how a 5% salary-sacrifice pension changes your take-home, the tool shows the engine's calculations step by step.
The site is the general-purpose member of a network of UK take-home pay calculators that includes nhstakehome.co.uk (NHS Agenda for Change staff) and several profession-specific calculators. Your Take Home is the one to use when you don't fit a specific pay framework — i.e. most people working in the UK private sector or self-employed via PAYE.
Who Built This
The site is operated by an independent UK-based developer. The team has a background in fintech and personal finance tooling, and has been building tax-and-pay calculators since 2024. We are not financial advisers, accountants, or tax agents; we are software engineers who care about making the UK tax system more understandable for everyday workers.
Our calculators are built using the same engine across the family of sites. The tax / NI / pension / student loan logic is verified each year against HMRC's published thresholds and tested against known scenarios (e.g. a £130,000 earner crossing into Personal Allowance taper, a Scottish higher-rate taxpayer crossing the £43,662 intermediate-rate threshold).
Contact us at contact@yourtakehome.co.uk or via our contact page for questions, corrections, or partnership enquiries.
Our Data Sources & Methodology
Every figure the calculator produces comes from official UK sources. We publish each source so you can verify our working:
Income Tax (UK except Scotland)
- HMRC Personal Allowance: £12,570 (2026/27, frozen until 2028)
- Basic rate (20%): taxable income up to £37,700 above PA (i.e. up to £50,270)
- Higher rate (40%): £50,271 to £125,140
- Additional rate (45%): above £125,140
- PA taper: £1 of PA lost for every £2 of adjusted net income above £100,000 (PA fully tapered at £125,140)
- Source: gov.uk/income-tax-rates
Income Tax (Scotland)
- Scottish Starter (19%): £12,571 to £15,397
- Scottish Basic (20%): £15,398 to £27,491
- Scottish Intermediate (21%): £27,492 to £43,662
- Scottish Higher (42%): £43,663 to £75,000
- Scottish Advanced (45%): £75,001 to £125,140
- Scottish Top (48%): above £125,140
- Source: Scottish Government 2026/27 Budget
National Insurance
- Primary threshold: £12,570/yr (£242/week)
- Main rate (8%): £12,570 to £50,270
- Upper rate (2%): above £50,270
- Source: gov.uk/national-insurance
Student Loans
- Plan 1, Plan 2, Plan 4, Plan 5, Postgraduate — all 2026/27 thresholds and 9% / 6% repayment rates as published by the Student Loans Company
Pension Contributions
- Pre-tax contributions reduce both taxable income and NI-able income (where relevant via salary sacrifice)
- HMRC tax relief rules per the Pension Tax Manual
Benchmark Median Earnings
- UK median full-time gross annual earnings: £39,039 (ONS Annual Survey of Hours and Earnings, April 2025)
- Source: ONS ASHE
For a more detailed walk-through of the calculation engine, see our methodology page.
What We're Not
We are not financial advisers. Nothing on this site constitutes financial advice. The figures we show are estimates based on publicly published HMRC rules. They are accurate within the limits of:
- You giving us correct inputs (your tax code, pension %, etc.)
- Your employer applying HMRC rules correctly via PAYE
- No mid-year changes to your circumstances (tax code, pension scheme, hours, etc.)
For binding figures, consult your payslip, your tax code notice, or a regulated financial adviser. The mortgage borrowing estimate is indicative only — actual lender decisions depend on credit history, deposit, outgoings, and current interest rates, none of which the calculator models.
We are not affiliated with HMRC, NHS England, the Department of Work and Pensions, the Student Loans Company, or any UK government body. We are an independent calculator that uses their published rules.
Privacy & How the Site Pays for Itself
The calculator is free to use and requires no signup. Your inputs are processed entirely in your browser — nothing about your salary, pension, or household costs is sent to us or stored on our servers. The "share" feature creates a URL containing your inputs that you can copy or bookmark; that URL never leaves your device unless you choose to share it.
The site is funded by display advertising (where available) and modest affiliate partnerships we disclose openly. See our privacy policy for full details.