What actually lands in your account?
Start with just your pay, then add tax codes, bonus, overtime, pensions, benefits or student loans only when you need them.
Saved setupsNothing is saved automatically
£32,320 a year · £2,693 a month · £621.54 a week
What each £1 of pay does
- Take-home£32,320
- Income tax£5,486
- National Insurance£2,194
Compare another offer
Tax, loans and other deductions stay the same. Bonus and pension terms are inherited from the current package unless you change them.
Using the current bonus and pension terms.
Offer details
Enter a proposed salary to compare take-home, total reward and pension funding side by side.
Salary for your take-home target
Using the current package as the baseline, including its pension terms and all active deductions.
Estimated take-home: £3,005 a month · £36,064 a year
- Gross salary change
- +£5,200
- Take-home change each month
- +£312
- Pension funding change each year
- £0
- Take-home gained from each £1 extra salary
- 72p
Uses the selected package's tax region, code, payroll frequency, pension, student loans and other deductions. The salary requirement excludes bonus and overtime.
| Base pay | £40,000 |
|---|---|
| Total cash earnings | £40,000 |
| Income tax (1257L) | −£5,486 |
| National Insurance (category A) | −£2,194 |
| Take-home pay | £32,320 |
- Income tax shown for England, Wales & Northern IrelandThe same salary in Scotland would mean £65 more income tax under its six-band system.
An annual PAYE estimate, not a payslip guarantee or tax advice. Payroll timing, emergency or cumulative codes, employer rounding and unusual benefits can change an individual month.
How this calculation works
The calculator annualises regular pay and applies the 2026/27 PAYE tax code or personal allowance and marginal income-tax bands. Class 1 employee National Insurance and student loans are calculated using the selected payroll frequency, with a one-off bonus assessed in one pay period and loan deductions rounded down to whole pounds. Benefits in kind affect income tax but are not shown as cash pay. Salary sacrifice reduces the relevant tax, NI and loan bases.