Financial Planner

Salary Calculator

Calculate your take-home pay after tax and National Insurance (UK rates 2026/27).

Tax Code Default for 2026/27. Common codes: 1257L, BR, D0, D1, NT

Annual Gross Salary (£)

Pension Contribution (%)

Salary Sacrifice Pension deducted before tax & NI (reduces taxable pay)

Student Loan Plan

Other Deductions (monthly)

SAYE — Save As You Earn (£) Sharesave scheme — deducted from net pay

BAYE — Buy As You Earn (£) Share Incentive Plan — deducted pre-tax & pre-NI

Other Pre-Tax Deduction (£) e.g. Cycle to Work, childcare vouchers

Other Post-Tax Deduction (£) e.g. charity donations, season ticket loan

Find out how affordable a mortgage is based on your income, deductions and outgoings.

Applicant 1 — Income & Deductions

Gross Annual Income (£)

Pension Contribution (%)

Salary Sacrifice Pension deducted before tax & NI

Student Loan Plan

SAYE — monthly (£)

BAYE — monthly (£)

Other Monthly Deductions (£) Cycle to Work, childcare vouchers, etc.

Applicant 2 — Income & Deductions (leave blank if single)

Gross Annual Income (£)

Pension Contribution (%)

Salary Sacrifice Pension deducted before tax & NI

Student Loan Plan

SAYE — monthly (£)

BAYE — monthly (£)

Other Monthly Deductions (£)

Other Income

Other Joint Annual Income (£) Bonuses, rental income, etc. (lenders typically count 50%)

Joint Monthly Expenditure

Add each expense as a line item. Mark items as "Cancellable" if you could stop them before the mortgage starts.

Mortgage Details

Property Price (£)

Deposit (£)

Interest Rate (% per annum)

Mortgage Term (years)