UK Take‑Home Pay Calculator

Pension options: salary sacrifice (reduces tax, NI, SL bases), net pay (reduces tax only), relief at source (no in‑pay tax/NI reduction). 2025/26 seed data included; Scotland thresholds are placeholders.

Disclaimer: This calculator provides estimates only and does not constitute financial advice. Figures are based on GOV.UK/gov.scot guidance for the selected tax year and may change. Always verify with official sources or a qualified adviser.