Rates & sources
UK tax rates and thresholds, as published by HMRC. Scotland and Wales have devolved rates for income tax and property transactions.
Source: HMRC — Tax rates — figures refreshed at the start of each tax year.
When to use this calculator
- Before accepting a pay change, bonus, pension contribution, or salary-sacrifice option.
- When you want to compare employed, self-employed, or dividend-based income scenarios.
- When you need a simple take-home estimate before running payroll or filing returns.
- When you are approaching the £100,000 income level and want to understand the personal allowance taper effect.
- When you are planning a salary sacrifice arrangement and need to see the net pay impact before agreeing terms.
A realistic Australia planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
Annual Gross Salary (A$)
A$80,000
Pay Frequency
Fortnightly (26/yr)
Employer Super Rate (%)
5%
Salary Packaging / Year (A$)
A$80,000
After entering these figures, review take-home per pay period, annual take-home and employer super together rather than in isolation — each metric tells a different part of the story. Then rerun the tool with one input adjusted to see which variable has the biggest effect on all three outputs before you settle on a plan.
How to read your results
Take-Home per Pay Period
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Annual Take-Home
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Employer Super
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Effective Tax Rate
Review this figure alongside your gross income so you can understand the true cost of deductions and plan around any thresholds before the tax year closes. If the figure looks higher than expected, check whether any pension or gift-aid contributions could reduce your taxable income.
HECS-HELP Repayment/yr
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Method & assumptionsAuthoritative sources
This calculator computes Australian resident take-home pay by applying the 2024/25 federal income tax brackets, the Low Income Tax Offset (up to $700), the 2% Medicare Levy (with phase-in for lower incomes), the Medicare Levy Surcharge for those without private hospital cover, and HECS-HELP compulsory repayment rates. Salary packaging is treated as a pre-tax reduction to gross income before any brackets are applied, reflecting the standard ATO treatment of salary sacrifice arrangements. Employer superannuation at the nominated SG rate is calculated separately on gross salary and displayed as an additional component of total remuneration rather than a deduction from take-home pay.
This estimate is for general planning only. It does not include reportable fringe benefits, investment income, rental income, or state-based payroll taxes. HECS-HELP repayment is an approximation based on annual income and may differ from the exact per-pay withholding amount used by your employer. Confirm your exact withholding with your payroll team or use the ATO’s official tax withheld calculator for employer-facing figures.
Common mistakes
- !Entering gross income when you really want take-home pay, or vice versa.
- !Ignoring pension contributions, deductions, or local tax rules that change the result.
- !Comparing monthly and annual figures without standardising them first.
- !Overlooking the National Insurance threshold changes that apply mid-year when rates or bands are adjusted in a Budget.
- !Assuming a salary sacrifice benefit reduces take-home pay by the full gross amount, rather than only the after-tax cost.
What to do next
- Check the same scenario with related pay or deduction calculators to see the full picture.
- Keep a copy of the assumptions you used so you can compare next tax year or pay period accurately.
- Read the related guides below if you are choosing between multiple income or deduction options.
- If you are self-employed, run the self-employment tax calculator alongside this result to compare the net position against employed income.
- Check whether increasing your pension contribution by even one or two percent changes the take-home significantly — use the pension calculator next.
Frequently asked
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End-of-article next steps
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