PayBreakdown - Salary Calculator & Budget Manager
Gross pay vs net pay
Gross pay is salary before deductions. Net pay is salary after deductions such as tax, National Insurance, pension, and student loan repayments.
What this page helps with
Gross pay is the advertised or contracted amount before deductions. Net pay is the amount left after deductions. When comparing job offers or budgets, net pay is usually the more practical number.
Official sources
Income Tax rates and Personal AllowancesNational Insurance rates and categoriesStudent loan repayment thresholdsPension tax reliefNational Minimum Wage and National Living Wage ratesStatutory Maternity Pay and LeaveStatutory Sick PayFCA guidance on misleading financial promotionsOff-payroll working and IR35 guidanceUnderstanding off-payroll workingSalary sacrifice for employersNHS Employers pay scales 2026/27NHS Health Careers Agenda for Change pay ratesLast updated 2026-05-07. Planning estimates only. Not financial advice.