Disclaimer

Every figure shown on the site — net income, tax, National Insurance, student loan, Child Benefit, effective rate, hourly equivalents — is an estimate. Real-world payroll outcomes depend on your specific tax code, pay period, employer arrangements, salary sacrifice schemes, benefits in kind, and many other variables we may not model.

TakeHomeIncome is not tax advice, legal advice, financial advice, payroll advice, or accounting advice. It does not constitute a recommendation to take or refrain from taking any action. Always verify important figures with the relevant official tax authority and consult a qualified professional before making decisions that affect your finances.

Official tax authorities (for the UK, that is HMRC) publish the authoritative figures. Their websites are the source of truth. We aim to mirror published rules accurately and we cite our sources for every value used — but you should treat their pages as the final word, not us.

Bands, thresholds, allowances, and rates change — sometimes mid-year, and sometimes retroactively. We update the calculator when changes are announced, but there can be a delay. Always confirm the latest figures with the relevant authority for the tax year in question.

Each calculator on TakeHomeIncome covers a specific country, and within that country specific regions. Outside the supported regions, the calculator may not produce a meaningful result. Edge cases such as non-standard tax codes, multiple jobs in the same year, mid-year tax-code changes, statutory payments, and self-employment may not be modelled.

All calculations involve assumptions (working pattern, pension model, NI category, etc.) and small rounding. We document the assumptions we use on the calculator result. Small differences from your actual payslip are expected.

We make no warranty that any figure produced is correct, current, or suitable for a particular purpose. You use the site at your own risk.

If you spot something that looks wrong, please tell us via the Contact page — we’ll investigate and correct any issue promptly.