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Take-home pay

What do I take home?

Income tax, National Insurance and what is left, with a pension contribution taken off first.

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What you enter: salary · your pension contribution a year · paid by salary sacrifice · scottish taxpayer.

Worked example

What do I take home — an example

Inputs
Salary
£60,000
Your pension contribution a year
£3,000
Paid by salary sacrifice
No
Scottish taxpayer
No
Result
Income tax
£10,232
National Insurance
£3,211
Into the pension
£3,000
Take-home pay
£43,557
Per month
£3,630
Marginal rate on the next £1
40%

How it is worked out. Income tax on salary less your contribution at 2026-27 bands (rUK or Scottish); Class 1 NI on pay, or on pay after sacrifice.

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Not advice. Money Horizon is a planning indicator built on simplified rules. It does not know your full circumstances, cannot replace a regulated adviser, and its figures should not be relied on for any decision. It is not financial advice. Nothing you enter leaves your browser. Calculators use the 2026-27 rules; figures are estimates.