AI Salary Calculator and Helper

Struggling to make sense of your salary, comparing a pay rise, or checking whether pension, bonus and salary sacrifice choices help or hurt your take-home pay? This calculator explains the numbers clearly so you can explore your options with more confidence.

Tax year 2026/27
? Common examples: 1257L, S1257L, BR, D0, 0T, K475
Bonus Annual bonus or salary percentage

Bonus is treated as taxable, NI, and loanable income. Pension is still calculated from base salary in this version.

Employee pension Contribution method and percentage
Salary sacrifice EV car or other monthly sacrifice

For schemes such as an EV car salary sacrifice. This reduces taxable, NI, and loanable pay. Add any company car benefit-in-kind below if it applies. Read the UK salary sacrifice guide.

Employer pension and company car benefit Employer match, fixed pension and BIK

Employer pension is shown as total reward and does not reduce take-home pay. Company car BIK adds taxable benefit for income tax only.

Other income and family context Dividends, savings, rental, childcare and Child Benefit

Other income is included in adjusted net income and income tax estimates using broad assumptions. Dividend, savings and rental tax rules can differ in practice.

Student loans Undergraduate and postgraduate repayments
Pay rise comparison Optional target salary scenario

Advanced scenario

Pay rise comparison

Compare your current salary with a target offer using the same tax code, pension, bonus, loans, and salary sacrifice assumptions.

Estimated annual take-home £32,320 £2,693.30 monthly · £621.53 weekly
Monthly take-home £2,693.30 annual take-home divided by 12
Monthly £2,693.30 12 payments
Four-weekly £2,486.12 13 payments
Fortnightly £1,243.06 26 payments
Weekly £621.53 52 payments

Treat this as an annualised estimate. Your actual payroll may differ because of tax codes, payroll-period rounding, benefits, employer adjustments, or deductions that are not included here. Seek qualified advice before making financial decisions based on this estimate.

Total gross income £40,000
Base salary £40,000
Annual bonus £0
Total deductions £7,680
Salary sacrifice £0
Taxable pay ? £40,000 income used for tax - £12,570 tax-free allowance = £27,430 taxable pay. £27,430
Effective deduction rate ? £7,680 total deductions divided by £40,000 total gross income = 19.2%. 19.2%
Adjusted net income ? £40,000 is the income figure used for rules like the £100k allowance taper and Child Benefit charge. £40,000
Employer pension £0
Taxable benefits £0
Other taxable income £0
Tax code used 1257L
Allowance from code £12,570

Personal allowance taken from the tax code number.

Deductions

Income tax £5,486 annual
£457.17 monthly £105.50 weekly
National Insurance £2,194 annual
£182.87 monthly £42.20 weekly

Income tax bands

Basic rate (20%) £5,486