UK take-home salary calculator.

Most differences come from something the calculator cannot see: a non-standard tax code, benefits in kind such as a car or medical cover, salary sacrifice arranged differently to the option picked here, a mid-year pay change that makes earlier months catch up, or a student loan starting part way through the year. Your payslip and your personal tax account are always the authority.

Choose the one your employer actually operates, because they produce different take-home figures. Salary sacrifice reduces gross pay before tax and National Insurance, so it usually leaves the most in hand. Net pay takes the contribution from gross before tax but after NI. Relief at source takes it from pay after tax and reclaims basic-rate relief into the pension. If you are not sure, ask payroll which one your scheme uses.

Yes. Switching the tax region applies the Scottish bands, which have more rates than the rest of the UK. National Insurance is UK-wide and does not change. Your tax region follows where you live, not where the practice is, so a Scottish resident working for a London studio pays Scottish rates.

Use it to understand what an offer means monthly, then quote the gross figure. Negotiate on gross salary, because that is what an employer controls; take-home depends on your tax code, pension choices and loan plan, which are personal to you.