Your salary is not your pay
You're thirtyish and the number in your job offer has never once been the number landing in your bank account.
Three main deductions stand between them — and every single one is completely knowable.
You're usually here for one of two reasons:
- A pay rise or job offer is on the table, and you want to know what it's actually worth before signing.
- You're staring at a current payslip, wondering where the missing chunk went.
The calculator answers both in under 30 seconds. Drop in your current salary and a target offer to map your monthly take-home side-by-side, with every deduction broken down line-by-line.
Leave the second salary the same as the first and it simply explains the payslip you already have.
Prefer to unpack the numbers first?
What comes off your pay → — The exact order tax, NI, and pension deductions hit your salary. Why the rise isn't the rise → — How marginal tax bands eat into pay increases. Your student loan & your payslip → — The deduction that behaves least like a normal tax.
I can't tell you what to do about your own pay. I don't know your situation, and this is information rather than advice.