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Questions about your pay, answered with your own numbers. Each one is a post of its own: it shows its working, names its sources, and does the arithmetic in your browser.

Earning

Where does my salary actually go?

A UK take-home pay calculator that shows the working: every deduction, the rate it was charged at, and where the figure came from. England, Scotland and Wales, salary sacrifice and net-pay pensions, all five student loan plans.

5 September, 2026

2 min read

Earning

Will I lose my free childcare if I earn over £100k?

The £100,000 childcare line is measured on adjusted net income, not salary, and tested against each parent alone. Find out how far over you are, the smallest pension contribution that gets you under, and what it costs.

5 September, 2026

3 min read

Earning

Is my pay rise actually worth taking?

A UK pay rise calculator that values the whole rise, not the band rate: income tax, National Insurance, student loan and Child Benefit clawed back, with any line crossed inside the rise shown, and the working underneath. 2026/27, England, Scotland and Wales.

5 September, 2026

3 min read

Earning

How much do I need to put in my pension to get under the line?

The £100,000 line and the £60,000 Child Benefit line are both measured on adjusted net income, and a pension contribution from gross pay lowers it. Find the smallest contribution that brings you under, what it costs in take-home, and what it preserves.

5 September, 2026

3 min read