Take-home pay calculator UK

The personal allowance is £12,570, so the first £12,570 you earn is tax-free. It falls by £1 for every £2 of income over £100,000, and it is £0 once income reaches £125,140.

Employees pay 8% on earnings between £12,570 and £50,270 a year, and 2% on earnings above £50,270. The rates are the same in Scotland.

Scotland sets its own income tax bands: starter 19%, basic 20%, intermediate 21%, higher 42%, advanced 45% and top 48%. National Insurance and student loans are the same across the UK. Scottish rates apply if you live in Scotland, wherever you work.

You repay 9% of your income above your plan's threshold: £26,900 for Plan 1, £29,385 for Plan 2, £33,795 for Plan 4 and £25,000 for Plan 5. A postgraduate loan adds 6% of income above £21,000, on top of any plan.

This calculator works out a whole year and then divides it by 12 or 52. Payroll works out tax, National Insurance and student loans each pay period and rounds them, so payslips can differ by a few pence. Pensions, bonuses, benefits in kind and other tax codes also change your pay.