UK pay calculators that show what you really take home
Job adverts, pension leaflets and overtime rates all quote the number before deductions. Silyxa shows the number that reaches you, and how it was worked out.
2026/27 rates, checked 4 November 2026. Covers England, Wales, Northern Ireland and Scotland. See how we calculate.
Pro rata salary
Part-time, term-time or part-year pay, with the take-home a job advert doesn't show.
Open calculator £1 in your pension for as little as 38pSalary sacrifice
Compare all three pension methods and see what each £1 in your pot really costs.
Open calculator Keep 72p of each £1, or just 38pOvertime
See what you keep from extra hours, and whether that weekend shift is worth it.
Open calculatorStart with your question
What the numbers show
These figures come from our calculators at 2026/27 rates, for someone in England with no student loan.
is all a 4-day week takes from your take-home on a £35,000 salary, even though your gross pay falls 20%.
is what £100 in your pension costs through salary sacrifice on £110,000. On £45,000 it's £72.
is what a flat-rate overtime hour nets on £32,000. At time and a half it's £17.72.
Your real situation
Scotland, student loans, your pension method and part-year patterns are built in, so you aren't left with a generic figure.
Working you can check
Every rate has an official source, and the calculations are tested against published worked examples. Read our method.
Your figures stay yours
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