💰Gross Pay
Total contractual salary.
🏛️Income Tax (PAYE)16.00%
0% up to 12,570 then 20%/40%/45% progressive.
🔻National Insurance8.00%
Funds NHS, state pension, benefits. 8% on 12,570-50,270, 2% above.
🔻Workplace Pension5.00%
Auto-enrolment minimum 5% (employer adds 3%).
🔻Student Loan
Plan 1: 9% above 22,015. Plan 2: 9% above 27,295. 0 if no loan.
✅Take-home pay
Net amount paid to you.
Educational simulation. Actual amounts depend on employer, collective agreement, and personal situation. Consult a qualified accountant for official payslips.