Enter annual cash pay before tax. Salary quick links always use annual salary, never hourly rate.
Used for hourly conversion and hourly take-home result.
Pension & salary sacrifice
Use this for salary sacrifice pension contributions. The calculator deducts these before estimating tax, National Insurance and student loan repayment.
£
Shown as retained pension value only; it does not change cash take-home.
£
For EV schemes, cycle to work or other pre-tax sacrifice estimates.
Bonus, benefits & taxable extras
Cash bonus is treated as taxable cash pay. Non-cash benefits increase tax but are not added to cash take-home.
£
£
Company car & fuel card
The calculated car/fuel benefit feeds straight into the take-home pay result as a taxable non-cash benefit.
£
£
£
Calculated company car taxable benefit:£0.00 car benefit plus £0.00 fuel/private fuel benefit.
Net cash take-home£0.00
Total pension value£0.00
Taxable benefits£0.00
Gross cash pay split0% Cash Take-Home
Your estimated take-home payUse the Annual / Monthly / Weekly / Hourly tabs above to change this view.
Net Cash Take-Home£0.00
Cash + pension value retained£0.00
Net cash is the money paid to you after estimated tax, National Insurance, student loan and salary sacrifice. Retained value includes pension value as well.
At a glance
Total gross cash pay£0.00
Income Tax- £0.00
National Insurance- £0.00
Student Loan- £0.00
Quick breakdownThe main moving parts without the technical tax workings.
Base salary / annualised hourly pay£0.00
Cash bonus£0.00
Salary sacrifice pension- £0.00
Other salary sacrifice- £0.00
Cash pay after sacrifice£0.00
Estimated tax cost of benefits- £0.00
Estimated deductions caused by bonus- £0.00
Advanced tax calculationUseful for checking taxable income, allowance tapering and benefit treatment.
Company car taxable benefit£0.00
Fuel/private fuel taxable benefit£0.00
Other taxable benefits£0.00
Adjusted net income£0.00
Personal Allowance used£0.00
Taxable income£0.00
NI saving from sacrifice+ £0.00
Tax change from sacrifice+ £0.00
How the complete calculation works
The calculator starts with salary or hourly pay, adds any cash bonus, deducts salary sacrifice pension and other sacrifice amounts, then estimates income tax, National Insurance and student loan repayments. Company car, fuel card and other taxable benefits are included for tax purposes but are not added to cash take-home pay.
Salary sacrificeShows tax, NI and student loan changes from reducing cash salary.
Company carConverts P11D and BIK rate into a taxable benefit.
£100k trapHighlights Personal Allowance taper once adjusted net income exceeds £100,000.
FAQs
Does this replace the separate calculators? +
It gives a combined view on one page. The separate pages remain useful for focused searches and simpler scenarios.
Does the company car benefit affect cash take-home? +
It increases the income tax estimate, but the benefit value is not added to cash pay. That is why the calculator treats it as a taxable non-cash benefit.
Does bonus affect National Insurance and student loan? +
In this estimate, a cash bonus is included in gross cash pay, so it can affect income tax, employee National Insurance and student loan repayment.
Why might payroll differ? +
Actual payroll uses tax codes, pay-period thresholds, employer scheme rules and rounding. This tool is a planning estimate, not financial or payroll advice.