TakeHomeYour payslip says one thing. Your bank account says another. TakeHome shows what you actually keep.
Type in your salary. See your real monthly, weekly and yearly take-home in under five seconds — tax, NI, pension and student loans done properly, verified against GOV.UK. No signup. Nothing leaves your phone.
Every deduction, done correctly
All rates and thresholds are for the 2026/27 tax year and checked against official GOV.UK figures.
Income tax
England, Wales & Northern Ireland bands — plus all six Scottish bands, handled automatically.
National Insurance
2026/27 employee rates and thresholds, worked out exactly as HMRC does.
Pension contributions
Salary sacrifice and relief-at-source — two different things, both done correctly.
Student loans
Plans 1, 2, 4 and 5, plus postgraduate loan — and yes, you can stack them.
The 60% tax trap
Earning over £100,000? TakeHome warns you about the personal allowance taper zone.
Private by design
No signup, no tracking of your figures — every calculation happens on your phone.
Got a side hustle?
Selling on eBay or Etsy? Earning from YouTube, TikTok or freelancing? TakeHome is one of the only salary calculators with side hustle income built in.
- Applies the £1,000 trading allowance automatically
- Works out tax at your marginal rate — not a made-up flat rate
- Includes Class 4 National Insurance where it applies
- Tells you how much to set aside so the bill never surprises you
See where every pound goes
A clear visual breakdown splits your gross pay into what's yours, income tax, NI, pension and student loan — with an "of every £100" view that makes your effective deduction rate finally make sense.