Salary Cal

Calculate your real take home pay instantly! Enter your gross salary and see a full breakdown of Income Tax, National Insurance, student loans, and pension deductions.

Find out exactly what you'll take home from your UK salary. Salary Cal is a free, easy-to-use calculator that shows your net pay after all deductions - Income Tax, National Insurance, student loan repayments, and pension contributions - based on the latest 2024/25 HMRC tax rates and thresholds.

FEATURES

◆ Instant Take Home Pay Enter your gross annual salary (£1,000 to £200,000) and get an immediate breakdown of your net pay. View results annually, monthly, or weekly.

◆ Full Deductions Breakdown See exactly where your money goes with a clear, colour-coded breakdown of every deduction including Income Tax, National Insurance, student loans, and pension.

◆ Tax Region Support Calculate for England, Wales & Northern Ireland or Scotland, each with their own tax band structures.

◆ Pension Contributions Choose from multiple pension options: None, Salary Sacrifice, Auto-Enrolment, or a custom percentage of gross salary.

◆ Student Loan Repayments Support for all UK student loan repayment plans (Plan 1, 2, 4, 5) and Postgraduate Loan deductions.

◆ Tax Band Breakdown See how your income is split across different tax bands and your effective tax rate as a percentage of gross pay.

◆ Save Calculations Bookmark and save multiple salary calculations to compare different scenarios and revisit them later.

◆ Built-in Glossary Not sure what Personal Allowance or National Insurance means? The built-in glossary explains all key financial terms in plain English.

◆ Dark Mode Full dark mode support for comfortable use in any lighting condition.

◆ iPhone & iPad Beautifully designed native interface optimized for both iPhone and iPad.

CALCULATIONS INCLUDE

• Income Tax (all bands)
• National Insurance contributions
• Student Loan repayments (Plan 1, 2, 4, 5)
• Postgraduate Loan repayments
• Pension contributions (Salary Sacrifice / Auto-Enrolment / % of Gross)
• Personal Allowance tapering
• Scottish tax rates

TAX REGIONS

• England, Wales & Northern Ireland
• Scotland (six-band system)

IMPORTANT DISCLAIMER This app provides estimated calculations for illustrative purposes only. Results should not be treated as financial, tax, or legal advice. Always consult HMRC or a qualified accountant for your specific circumstances.

Download Salary Cal now and take control of your finances!