UK bands and tax codes
England, Wales and Northern Ireland rates, plus the six Scottish non-savings bands.
HMRC rates ↗Kanabar Financial · UK salary & payroll estimator
Know what pay really means.
Calculate take-home pay, PAYE, National Insurance, pensions, student loans and the employer's full cost in one clear view.
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Your figures
£/ year
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Assumes 12 equal monthly pay periods for NI and loan thresholds.
As shown on the payslip
S or C tax-code prefixes override this
AdjustmentsPension and student loans
%
%
02
Your estimate
Estimated take-home
£2,354.14per monthGross pay£3,000.00
Income Tax−£390.50
Employee NI−£156.16
Pension cost−£99.20
Student loans−£0.00
Total deductions−£645.86
Detailed payslip breakdown
Gross pay£3,000.00
PAYE Income Tax−£390.50
Employee National Insurance−£156.16
Pension deducted from pay−£99.20
Take-home pay£2,354.14
England & NITax code 1257LNI A
The other side of payroll
What does this employee cost?
See the cost beyond salary. Employer NI is shown before any Employment Allowance or other employer-level relief.
Total employment cost£3,461.85per month
Cash salary£3,000.00
Employer NI£387.45
Employer pension£74.40
Built on published rates
Clear assumptions. No black box.
Period-specific thresholds
Plans 1, 2, 4 and 5 at 9%, and Postgraduate Loans at 6%, rounded by pay period.
HMRC guidance ↗Three contribution methods
Relief at source, net pay and salary sacrifice, using gross or qualifying earnings.
Pension thresholds ↗