Money Worked Out

Term-time salary calculator

Work out your term-time annual salary and estimated average monthly take-home for 2026/27. Use your employer's paid weeks, including paid holiday.

If the advert already gives your actual reduced salary, use the take-home pay calculator. Do not reduce it again here.

Enter your contract details to estimate your pay.

Tax year 2026/27. No estimate yet.

Your contract details

Use the full-time annual figure, before any reduction for hours or weeks.

Use the full-time hours for the same advertised salary.

Enter your contracted weekly hours.

Where you pay income tax

Defaults: no pension deduction and no student loans.

Optional pension and student loans
How your pension is paid

Unsure? Ask payroll or check your payslip before choosing. This estimate uses a contribution percentage of your whole actual salary. Payroll may use a different pension basis. Salary sacrifice needs employer agreement and cannot reduce cash earnings below minimum wage. This tool does not check wage compliance or pension eligibility.

For provider-added relief, include the provider's basic tax relief in this percentage. Extra relief you may need to claim is excluded from take-home.

Student loans

Choose at most one undergraduate plan, plus postgraduate if needed. Leave all unticked for no loan.

How your estimate was worked out

    Your payroll confirmation plan

    Ask payroll to confirm the advertised full-time salary, full-time and contracted hours, paid weeks including holiday and the full-year denominator. Ask whether pay is equal each month, which pension method applies and what earnings the pension percentage covers.

    Keep the advert, written contract and payroll's calculation. Compare the confirmed annual salary and deductions with your payslip. A difference in this estimate alone does not prove underpayment.

    Report your progress

    On a shared device, other people using this browser may see saved details. Saving is your choice. Edits are saved only when you press Save again. Delete removes only this tool's saved plan.

    Nothing is saved until you choose Save on this device.

    What the estimate assumes

    Your employer pays equal monthly amounts throughout a complete tax year. We estimate annual income tax and employee National Insurance for a working-age employee in category A, with the standard allowance and any taper. We assume no other income. Monthly figures are annual totals divided by 12, rounded to pennies. The rounded months may not add up to the annual figure.

    Payroll can differ because of your tax code, monthly thresholds or payment timing. This is information, not advice. See our calculation method and terms. Pension wealth is separate from spendable take-home. Any extra relief needing a claim, including a later low-earner net-pay payment, is excluded.

    For an irregular payment schedule or a mid-year start or leaving date, ask payroll for a payslip estimate and check HMRC's income tax estimate. Other income can change your tax; this calculator cannot combine it.

    Why paid weeks need confirmation

    Holiday rules depend on your contract. Contractual holiday may exceed the statutory minimum. We do not calculate holiday entitlement, apply 12.07% or decide whether you are a part-year worker. Read the official holiday pay guidance and ask payroll for the paid-weeks factor they use.

    Holiday guidance: https://www.gov.uk/government/publications/simplifying-holiday-entitlement-and-holiday-pay-calculations/holiday-pay-and-entitlement-reforms-from-1-january-2024

    Tax, National Insurance and loan rates come from HMRC's 2026/27 employer rates. For relief you may need to claim, check pension tax relief guidance.

    A separate worked example

    In this illustration only, a £30,000 full-time salary, 37.5 full-time hours, 25 contracted hours, 44 paid weeks and a 52-week denominator give £16,923.08 gross a year. These paid weeks are invented example inputs, not a holiday entitlement or a suggested payroll factor. Your form starts without salary, hours or weeks.

    For a simpler hours-only comparison use pro-rata salary. Then compare a confirmed offer with your current pay through the pay and hours planner.