Calculate exactly what you take home after all deductions — Income Tax, National Insurance, pension contributions, salary sacrifice, and student loan. Covers England, Wales, NI and Scotland.
Salary sacrifice saves both Income Tax and NI on the sacrificed amount — 28–42% total saving depending on your rate. Workplace pension via salary sacrifice is the most efficient option.
An emergency or incorrect tax code (e.g. 0T, BR, W1/M1) can mean you overpay tax significantly. Check your payslip and contact HMRC or your employer if it looks wrong.
If your partner earns below £12,570, they can transfer £1,260 of unused allowance to you — saving £252 per year. Around 4 million eligible couples don't claim this.
Pension contributions reduce adjusted net income, which can restore lost Personal Allowance in the taper zone — saving up to 60% on each £2 of income managed.