Help & FAQ

myIncome UK is a free, accurate UK take-home pay calculator. Enter your salary and it instantly shows your estimated income tax, National Insurance, pension contributions, student loan repayments, and what you actually take home — monthly and annually.

It covers England, Wales, Scotland, and Northern Ireland, and is updated for the current tax year.

Yes, completely free. There are no ads, no paywalls, and no data sold. An optional free account lets you save and sync your saved salaries across devices.

myIncome UK uses HMRC's published tax bands, NI thresholds, and rates for the current tax year. Results are estimates based on the information you enter and are typically accurate for standard PAYE employment.

Results may differ slightly from your actual payslip due to: rounding by your employer, mid-year tax code changes, or non-standard pay arrangements. Always consult a professional for formal financial advice.

No. The calculator works fully without an account. Creating a free account simply lets you save named salaries and access them from any device.

Yes. Use the pay period selector to switch between annual, monthly, weekly, daily, or hourly. The calculator automatically converts to annual for its calculations and shows results for all periods.

Enable the Overtime toggle and enter your hourly rate, number of overtime hours per week, and the overtime multiplier (e.g. 1.5× for time-and-a-half). The overtime pay is added to your gross income before tax is calculated.

Enter your expected bonus in the Bonus field. It is added to your gross salary and taxed accordingly in the same year. You can see the bonus breakdown separately in the results table.

Enable Second Job to add income from a second employer. The second job uses a BR (basic rate) or D0 tax code by default, as your personal allowance is normally applied to your main job. Results show individual and combined take-home figures.

Your tax code appears on your payslip, P60, or P45. You can also find it in your HMRC Personal Tax Account at gov.uk.

If you don't know it, leave the field as the default — the calculator will use the standard 1257L code.

1257L is the standard tax code for most UK employees. The number (1257) multiplied by 10 gives your personal allowance (£12,570) — the amount you can earn before paying income tax. The L suffix means you're entitled to the standard personal allowance.

A K code means you have untaxed income (such as a company benefit or unpaid tax from a previous year) that exceeds your personal allowance. Instead of reducing your taxable income, a K code increases it.

myIncome UK applies the HMRC rule that tax on a K code cannot exceed 50% of your gross pay in any pay period.

W1 (Week 1) or M1 (Month 1) means your tax is calculated on a non-cumulative basis — each pay period is treated independently, without reference to your earnings so far that year. This is common when starting a new job mid-year or after a period of changes.

The calculator detects W1/M1 automatically if you include it in your tax code.

Select Scotland as your region. Scottish taxpayers pay income tax at Scottish rates (set by the Scottish Parliament), which differ from the rest of the UK. Your tax code should also start with S (e.g. S1257L). The calculator will warn you if there's a mismatch between your region and tax code.

Three pension tax treatment options are supported, matching the selector in the calculator:

• Salary Sacrifice — your employer reduces your gross salary by the contribution amount before tax and National Insurance are calculated. This saves both income tax and NI, making it the most tax-efficient option.
• Relief at Source — contributions are deducted after tax. Your pension provider then claims back 20% basic rate tax relief from HMRC and adds it to your pot. Higher and additional rate taxpayers can claim the extra relief via Self Assessment.
• Net Pay — contributions are deducted from your gross pay before income tax is calculated, so you receive full tax relief immediately at your marginal rate. Common in many occupational workplace pension schemes.

Check your payslip or ask your HR/payroll team — your pension provider will have told your employer which arrangement applies.

• Salary Sacrifice is the most tax-efficient as it reduces both income tax and NI.
• Relief at Source is common with personal and NEST-style pensions — basic rate relief is added automatically, but higher rate earners need to claim the rest via Self Assessment.
• Net Pay gives full tax relief at your marginal rate automatically.

If you're unsure, Net Pay is the most common default for occupational schemes.

Yes. Use the toggle next to the pension field to switch between % of salary and a fixed annual amount (£).

All current UK plans are supported:

• Plan 1 — for students who started before September 2012 (England/Wales), or Scottish/Northern Irish students.
• Plan 2 — for English/Welsh students who started from September 2012 to July 2023.
• Plan 4 — for Scottish students who started from 2006/07 onwards.
• Plan 5 — for English/Welsh students starting from August 2023 onwards. Has a lower repayment threshold and a 40-year repayment term.
• Postgraduate Loan — for postgraduate master's or doctoral loans.

You can combine a Plan 1, 2, 4, or 5 with a Postgraduate Loan if you have both.

Repayments are a percentage of income above each plan's threshold:

• Plans 1, 2, 4 and 5 — 9% of income above the plan's repayment threshold.
• Postgraduate Loan — 6% of income above the postgraduate threshold (£21,000).

Each plan has a different threshold. For example, in 2026/27: Plan 1 is £26,900, Plan 2 is £29,385, Plan 4 is £33,795, and Plan 5 is £25,000. Thresholds are reviewed each April.

If you hold both an undergraduate plan and a Postgraduate Loan, both are calculated and deducted simultaneously.

Enable the Sick Leave option and enter the number of weeks you expect to be off sick. You can choose between Statutory Sick Pay (SSP) at the standard HMRC rate, or your employer's enhanced sick pay if applicable. The calculator adjusts your annual income and tax accordingly.

Enable Maternity Leave and enter the number of weeks you plan to take. Statutory Maternity Pay (SMP) is calculated in two phases:

• Weeks 1–6: 90% of your average weekly earnings
• Weeks 7–39: the lower of 90% of earnings or the statutory flat rate

Weeks 40–52 are unpaid. The calculator estimates your total annual income including the SMP period.

Household Mode lets you compare saved salaries side by side and see a combined household take-home total. This is useful for couples planning finances, comparing job offers, or understanding the impact of one person changing hours.

Household Mode needs at least two saved salaries, and you can add up to five salaries to the same household combination. Save the salaries first, then activate Household Mode to select them. You can also save up to five household combinations so the same group of salaries can be loaded again later.

Enable Redundancy in the calculator and enter your age, years of service, and weekly pay. myIncome UK calculates your statutory redundancy entitlement based on HMRC's formula:

• ½ week's pay for each full year worked under age 22
• 1 week's pay for each full year worked between ages 22–40
• 1½ week's pay for each full year worked aged 41 or over

The first £30,000 of redundancy pay is tax-free. Any amount above this is added to your taxable income and taxed accordingly. The calculator shows both the statutory amount and the estimated tax impact.

The Job Comparison feature lets you calculate two different salary scenarios side by side — useful when weighing up a job offer, a promotion, or a change in hours.

Enable Job Comparison, configure the second job's salary, tax code, pension and other settings independently, and the results panel will show both jobs together with the difference in take-home pay highlighted. Each job can have its own pension type, contribution rate, and overtime settings.

Enter your salary and settings, click Calculate, then click Save. Give the saved salary a name (e.g. "Current Job" or "New Offer") so you can load it again later.

You can save salaries locally without an account. If you log in or create a free account, saved salaries are synced across your devices.

Up to 10 saved salaries per account.

Yes, fully. All calculations work without an account. An account is only needed if you want to sync saved salaries across multiple devices.

Click Forgot password on the login screen and enter your email address. You'll receive a reset link valid for 1 hour.

Visit myincome.uk/delete-account, enter your email and password, and confirm. Your account, saved salaries and household combinations are permanently and immediately deleted.

If you create an account, we store your email address, username, and any saved salaries or household combinations you choose to save. We do not sell your data or share it with third parties. For full details, see our Privacy Policy.

If you use the calculator without an account, no personal data is stored on our servers.