Monthly Salary Calculator
Enter your annual salary to see exactly what lands in your bank account each month after tax, National Insurance and student loan repayments.
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Estimates only, based on standard tax codes and the 2026/27 thresholds and a fixed monthly salary. Not financial advice.
How monthly take-home pay is calculated
We calculate your full annual Income Tax, National Insurance and student loan deductions using the standard tax bands, then divide the result by 12. This matches how most employers run monthly PAYE payroll, spreading your tax-free Personal Allowance evenly across the year. Paid weekly or four-weekly instead? Try our Weekly Pay Calculator or the full Take-Home Pay Calculator.
Frequently asked questions
How do I work out my monthly take-home pay?
Divide your annual take-home pay by 12. Because PAYE spreads your tax-free Personal Allowance evenly across the year, your monthly deduction is normally the same every month if your salary doesn't change.
Do all months have the same take-home pay?
For a fixed monthly salary, yes — PAYE spreads your Personal Allowance and tax bands evenly across 12 months regardless of how many days are in each month. Take-home pay only changes if your salary, tax code or deductions change.
What if I'm paid four-weekly instead of monthly?
Four-weekly pay isn't the same as monthly pay — there are 13 four-week periods in a year, not 12. Use our full Take-Home Pay Calculator, which supports four-weekly and two-weekly pay frequencies directly.