Take Home UK

Know exactly what lands in your bank account. Take Home UK turns a gross salary into a full breakdown of Income Tax, National Insurance, pension and student loan — and shows its working at every step, rather than handing you one number and hoping you trust it. FULL UK TAX COVERAGE • England, Wales, Northern Ireland and Scotland — Scotland's six bands are modelled in full, not approximated • Both current tax years, 2025/26 and 2026/27, with a table showing exactly what changed between them • Enter your pay as annual, monthly, weekly, daily or hourly — and view the breakdown in any of those periods THE DETAIL THAT CHANGES YOUR ANSWER • The £100,000–£125,140 Personal Allowance taper, reported with your actual computed marginal rate rather than a fixed "60%" rule of thumb • If you pay into a pension, the app separates the part of extra income that goes into your pot from the part taken as tax — your own savings are not a deduction • All four pension arrangements modelled properly: Salary Sacrifice, Net Pay Arrangement, Relief at Source, and a sensible default if you are not sure which you are on. Each changes your Income Tax and National Insurance differently • Relief at Source includes the relief above basic rate, not only the 20% claimed at source • National Insurance on HMRC's published annual thresholds, so the Upper Earnings Limit lines up exactly with where higher-rate tax begins • A separate field for other salary sacrifice — EV schemes, Cycle to Work, buying annual leave MADE FOR YOUR SITUATION • Student Loan Plans 1, 2, 4 and 5, plus Postgraduate — and a Postgraduate Loan is charged alongside your undergraduate plan at the same time, the way it really works • Turn National Insurance off for a self-employed-style estimate • State Pension age handling, which stops National Insurance but not Income Tax or student loan • Compare two salaries side by side — a current job against an offer, or before and after a raise • Convert your take-home into 158 world currencies at live exchange rates SIMPLE BY DESIGN No account. No sign-up. No ads. No tracking. Your salary never leaves your device — the calculation runs entirely offline, and only live currency conversion needs a connection. Light, dark, or follow your system theme.