Payslip Calculator UK
Estimate your monthly net pay after PAYE Income Tax, National Insurance, pension and student loan deductions.
Based on published UK 2026/27 tax thresholds · Standard PAYE assumptions · Tax code 1257L default
Use the PayClear payslip calculator UK to estimate PAYE Income Tax, National Insurance, pension contributions and your monthly take-home pay. This net pay calculator is ideal as a payslip checker — enter your gross pay below to see whether your deductions look correct, based on published 2026/27 UK tax thresholds.
💳 Your Pay Details
and click Calculate to see your estimated payslip breakdown
How UK Payslip Deductions Work
Your payslip shows your gross pay (salary before deductions) and your net pay (take-home pay). Between the two, your employer deducts PAYE Income Tax, National Insurance and any pension or student loan contributions.
PAYE Income Tax on your payslip
Under PAYE (Pay As You Earn), your employer deducts Income Tax from each pay period using your tax code. In 2026/27, the first £12,570 of your annual salary is tax-free (Personal Allowance). Earnings above this are taxed at 20% up to £50,270, then 40% up to £125,140.
National Insurance on your payslip
Employee NI (Class 1) is charged at 8% on weekly earnings between £242 and £967 (equivalent to £12,570–£50,270 annually), and 2% above £967/week. NI is calculated per pay period, not annually.
Pension contributions
Salary sacrifice pension contributions reduce your gross pay before tax is calculated — saving both Income Tax and NI. A 5% contribution on a £3,000/month salary saves approximately £70–£100/month net depending on your tax band.
Student loan repayments on your payslip
Student loan repayments are deducted automatically via PAYE once earnings exceed your plan’s threshold. Plan 2 (most common for graduates after 2012) charges 9% on earnings above £29,385/year (£2,449/month).
How to check if your payslip is correct
Use the PayClear payslip calculator above to estimate your expected deductions, then compare to your actual payslip. If figures differ significantly, check your tax code via HMRC’s online service.
Payslip Calculator — FAQs
A payslip calculator estimates how much of your gross salary you take home after PAYE Income Tax, National Insurance and other deductions such as pension contributions and student loan repayments. It helps you understand exactly where your money goes each month.
A payslip calculator gives a close estimate based on standard PAYE assumptions and published 2026/27 UK tax thresholds. Your actual payslip may differ slightly if you have a non-standard tax code, multiple jobs, benefits in kind, or irregular pay. For a definitive figure, check with your payroll department or HMRC.
Yes. Enter your gross monthly pay, tax code, pension percentage and student loan plan into the calculator above. Compare the estimated Income Tax, National Insurance and net pay to the figures on your actual payslip. If they differ significantly, it’s worth checking your tax code with HMRC or asking your payroll team to confirm.
Under PAYE (Pay As You Earn), your employer deducts Income Tax from your salary each pay period using your tax code. In 2026/27, the first £12,570 of annual income is tax-free (the Personal Allowance). Earnings above this are taxed at 20% up to £50,270, then 40% up to £125,140, and 45% above that.
A typical UK payslip shows gross pay, PAYE Income Tax, employee National Insurance contributions, and — if applicable — workplace pension contributions and student loan repayments. The amount left after these deductions is your net pay, also known as take-home pay.
Yes. The calculator includes employee National Insurance (Class 1), charged at 8% on earnings between £12,570 and £50,270 per year, and 2% on earnings above £50,270. National Insurance is calculated per pay period rather than using an annual allowance.
Yes. Select a pension contribution percentage (or enter a custom rate) and the calculator will model a salary sacrifice pension contribution, showing how it reduces both your taxable income and your National Insurance, as well as the resulting effect on your take-home pay.
Calculations are estimates based on current UK PAYE assumptions and should be used for guidance only. Read our Disclaimer, Privacy Policy and Terms of Use for more information.