Welcome to the Take-home Pay Simulator

Make money make sense.

Use it to:

• Check your take-home pay in seconds
• See what a pay rise or a new salary means for you
• Click a student loan plan to see if it’s right for you
• Understand your money instantly with clear graphs and pie charts
• See how income tax, National Insurance, student loan and pension each change your pay
• Work out how much to pay into your pension to keep the same take-home after a rise
• Compare different choices side by side
• See how much of your next £1 you keep
• Save your scenarios and download a report

Estimate only. This tool is for education and illustration, not personal, financial or tax advice — check important decisions with HMRC or a qualified adviser.