Your details

£ / year
Not sure which plan? Check your loan statements or Student Loans Company account
Salary sacrifice reduces your gross pay before tax and NI. Relief at source adds 20% tax relief after deduction.
%
%
Take-home pay
£—
per month
Gross salary
Income tax
National Insurance
Take-home pay
Take-home:
Income tax:
NI:
Effective rates on your salary
Total deductions
Effective tax rate
Effective NI rate
You keep

Accuracy: Based on 2025/26 UK tax rates and thresholds. Assumes standard personal allowance (no adjustments for high earners above £100,000 where the personal allowance tapers). Does not include pension tax relief reclaim for higher-rate taxpayers via self-assessment (only the basic 20% is auto-applied for relief at source). Always verify with HMRC or a qualified accountant for your specific situation.