Pay After Tax was created to help UK workers understand their real take-home pay. Too often, people accept job offers or negotiate salaries without truly understanding how much money will actually land in their bank account each month after tax, National Insurance, student loan repayments, and pension contributions.
We believe everyone deserves access to accurate, free tools that help them make informed financial decisions. Whether you're comparing job offers, planning a career move, negotiating a pay rise, or simply trying to understand your payslip, our calculator provides instant, HMRC-compliant answers.
Our calculator uses the official HMRC tax rates, National Insurance thresholds, and student loan repayment thresholds published each tax year. We update the calculator every April when new rates come into effect, and we maintain historical data for the previous tax year so you can compare year-on-year changes.
We support both the England/Wales/Northern Ireland tax system and Scotland's separate income tax bands, ensuring accurate calculations regardless of where you live in the UK.
We run this site at no cost to users. The calculator is supported by advertising, which allows us to keep it completely free with no hidden fees, premium tiers, or data collection. You don't need to register, create an account, or provide any personal information to use our tools.
Beyond the calculator, we publish detailed guides explaining the UK tax system, PAYE, tax codes, student loan repayments, pension contributions, and other deductions that affect your take-home pay. Our goal is to make UK tax law accessible and understandable for everyone, not just accountants and tax professionals.
We don't store or transmit the salary information you enter into the calculator. All calculations happen in your browser, and we never see your personal income figures. For more details, see our Privacy Policy.
If you spot an error in our calculations, have suggestions for new features, or just want to say hello, please let us know through the contact options in your browser. We're committed to maintaining the most accurate and useful salary calculator available for UK workers.
Last updated: May 2026