Inputs
For UK PAYE employees. Choose a tax year to estimate Income Tax, employee National Insurance, and optional student loan and dividend tax. This is a simplified estimate and may not match complex situations (e.g., multiple jobs, benefits-in-kind, savings income, or non‑standard tax codes).
Scotland uses different Income Tax bands. National Insurance is UK‑wide.
Available tax years are enabled once rates and thresholds have been verified and regression‑tested.
Examples: 45,000 or £45,000.50
Gross pay is required.
Amount you contribute (estimate). Pension treatment varies by scheme; see Methodology.
Optional. We estimate dividend tax using UK dividend rates. Dividends can affect your Personal Allowance and may affect student loan repayments via Self Assessment.
Uses annualised gross pay and the selected tax year thresholds. For complex situations, see the dedicated Student Loan calculator.
Postgraduate Loan repayments can apply in addition to undergraduate plans.
Results
Enter your gross pay to see an estimate.