UK Take-Home Salary Calculator
Calculate your exact monthly net pay in pounds (£), breakdown PAYE income tax, 8% National Insurance, 5% workplace pension, and check £38,700 Skilled Worker Visa thresholds.
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Auto-enrolment standard is 5% employee + 3% employer. Lowers your taxable PAYE gross.
📊 Monthly Deduction Breakdown
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Understanding UK Payslips & Deductions
What is the 60% “Tax Trap” between £100,000 and £125,140?
When your income reaches £100,000, you lose £1 of your tax-free personal allowance for every £2 earned. In this £25,140 band, you pay 40% income tax plus 20% due to the lost allowance, plus 2% National Insurance, resulting in an effective marginal tax rate of 62%. Many UK professionals increase their workplace pension salary sacrifice to stay below £100,000.
How does London Cost of Living compare to other UK cities?
A software engineer earning £75,000 in London typically spends £1,800–£2,400/month on rent in Zones 2–3, while equivalent housing in Manchester, Leeds, or Birmingham averages £950–£1,300/month, allowing higher discretionary savings on slightly lower gross packages.
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