Take-home pay
From your gross salary we deduct income tax and National Insurance using the current HMRC thresholds (rest-of-UK rates), plus any pension or student loan you enter in the calculator. Income tax applies the tax-free personal allowance, the basic/higher/additional-rate bands, and the allowance taper between £100,000 and £125,140. National Insurance uses the annualised primary threshold and main/upper rates.
Where your salary ranks (the national percentile)
This is what sets the site apart from a plain take-home calculator. We place your gross salary against the Office for National Statistics' Annual Survey of Hours and Earnings (ASHE) — the UK's authoritative pay distribution — pulled from the Nomis API. Your percentile is log-interpolated between the published anchor points, so "the 54th percentile" means you earn more than about 54% of UK employees. We report it against both all employees and full-time employees.
Sources
Every figure is resolved from its official source — no baked-in numbers:
How current this is
The figures on this site were last resolved on 2026-07-08 for the 2026/27 tax year. UK tax and NI rates are fixed for a tax year (6 April to 5 April), so they don't change until the next Budget takes effect; percentile data is refreshed when ONS publishes a new ASHE release.
Limitations
It uses rest-of-UK income tax rules — Scotland has different bands, so figures are approximate for Scottish taxpayers. NI is annualised from gov.uk's period thresholds (real PAYE is worked out per pay period), and percentiles are interpolated between anchor points, so both are close approximations rather than to-the-penny. This is a sanity-check tool, not tax advice.