The calculation
One shared calculation engine
The calculator applies the selected Income Tax, employee National Insurance, pension and student-loan rules to your annual pay. Monthly figures divide the annual estimate by 12; payroll can differ because employers calculate PAYE by pay period and round deductions.
Starting point
The defaults are visible and changeable
The starting estimate uses tax code 1257L, England, Wales or Northern Ireland, a 5% salary-sacrifice pension on full gross salary and no student loan. The 3% employer pension illustration uses qualifying earnings between £6,240 and £50,270.
Insights
Useful context, clearly labelled
Earnings rank is an approximate interpolation of ONS ASHE full-time employee earnings. The Living Wage comparison uses £12.71 an hour and 37.5 hours a week. Pension growth uses the displayed monthly contribution, monthly compounding equivalent to 7% annual growth, and ignores fees, inflation and market volatility.
Privacy
Your inputs stay in your browser
There are no accounts, advertising pixels or non-essential cookies. Anonymous aggregate interaction counts never include salary values or identifiers. A share link puts selected calculator settings in the URL so the recipient can reproduce the estimate.
Primary sources