Take Home

Built for NHS staff — see exactly what you'll take home after pension tiers, tax, and NI. 100% free.

The UK salary calculator that understands NHS pensions. Select your region, and Take Home automatically applies the correct tiered contribution rate — no manual lookup needed. Also covers income tax, National Insurance, student loans, overtime, and bonuses. Completely free — no subscription, no ads, no in-app purchases.

NHS PENSION
• Automatic tiered contributions for England and Wales
• Guided onboarding walks you through pension setup
• Incompatible regions are disabled so you always get the right rate

ACCURATE CALCULATIONS
• Tested against HMRC official NI data and GOV.UK tax band rates
• Personal Allowance taper for earners over £100,000
• Effective and marginal tax rates
• Income tax split by band: Personal Allowance, basic (20%), higher (40%), additional (45%)

THREE PAY MODES
• Full-time: enter your annual salary
• Part-time: set FTE salary and your working percentage
• Hourly: enter your rate and hours, with National Minimum Wage quick-fill by age band

OVERTIME & BONUS
• Add overtime hours with a pay multiplier (e.g. 1.5×) or a fixed weekly amount
• Add a one-off bonus as a fixed amount or percentage of salary
• See how extras affect your take-home pay and tax

ALL UK REGIONS
• England, Wales, Scotland, and Northern Ireland
• Full Scottish income tax bands (starter, basic, intermediate, higher, advanced, top)
• Enter a custom HMRC tax code or use the default (1257L)

OTHER PENSION SCHEMES
• Auto-enrolment, salary sacrifice, employer, and personal schemes
• Set contribution as a percentage or fixed amount

STUDENT LOANS
• Plans 1, 2, 4, and 5 with correct thresholds
• Postgraduate loan (can combine with any undergraduate plan)
• Region-aware: Plan 4 for Scotland, others for rest of UK

FLEXIBLE VIEWS
• View results weekly, monthly, or annually
• Supports 2023-24, 2024-25, and 2025-26 tax years
• Share your pay breakdown with colleagues or advisers

PERSONALISE
• Light, dark, and system theme modes
• Redesigned settings in a swipe-up bottom sheet
• NHS pension onboarding to guide you through setup

PRIVACY FIRST
Your salary data never leaves your device. No account needed, no personal data collected.

Perfect for NHS staff checking pension tiers, evaluating job offers, understanding your payslip, planning contributions, or comparing gross to net pay across different scenarios.