Work out gross to net salary instantly with clear inputs, formula shown and shareable results.
Net pay is gross less pension, income tax and other deductions. Because pension contributions come out before tax is computed, they cost less in take-home terms than their headline amount.
Gross to net
Net = gross - pension - (gross - pension)×tax rate - other deductions
Tax figures are estimates based on the rates, caps and thresholds you enter. Real rules differ by jurisdiction and change every year, and personal circumstances alter the outcome. This is not tax or financial advice — confirm with a qualified adviser.
Most occupational schemes operate on a net-pay basis, so contributions reduce taxable pay directly.
Employers apply cumulative monthly tax tables and rounding, so individual months vary around the annual figure.