About Calculate My Salary
Calculate My Salary is an independent UK take-home pay calculator. We help people in England, Scotland, Wales and Northern Ireland understand what they take home after Income Tax, National Insurance, pension contributions and student loan repayments. Free to use, no sign-up required.
Who runs the site
Calculate My Salary is operated by Calculate My Salary, a small independent publisher focused on UK personal finance. We are not regulated by the FCA and do not give personal financial, tax or legal advice.
Editorial policy
- Primary sources only. Every rate, threshold and formula is taken directly from HMRC, GOV.UK, the Scottish Government, the Student Loans Company and The Pensions Regulator.
- No affiliate bias. We have no affiliate relationships with pension providers, ISA platforms or lenders.
- Transparent assumptions. Every calculation on the site has a plain-English assumptions page so you can see exactly what we modelled and what we didn't.
- Clear dates and versioning. Each article shows when it was published and when it was last reviewed. When HMRC updates a threshold mid-year, we update the article and its “last updated” date.
How we build the calculator
The calculator implements HMRC's Payroll Technical Specification for Income Tax and follows the published order of operations for PAYE: gross pay, pension salary sacrifice, personal allowance, Income Tax, National Insurance and then student loan repayments. It covers rest-of-UK and Scottish tax bands, all five student loan plans, and both salary-sacrifice and relief-at-source pensions.
The tax engine has an automated test suite. When a band, rate or threshold changes, we update the engine and lock in the new numbers. See how UK salary is calculated and the assumptions & methodology page for full detail.
Corrections policy
If you spot a rate, threshold or calculation that doesn't match HMRC, please contact us. We investigate every report and publish a corrected version where we find an error.
Privacy and data
The calculator runs entirely in your browser. The salary you type is never sent to our servers or shared with third parties. See our privacy policy for full details.
Not financial advice
Calculate My Salary is an informational site. The results, guides and articles are for general information only and are not a substitute for personal financial, tax or legal advice. For decisions that depend on your individual circumstances, speak to a qualified professional or check HMRC guidance directly.