What do you actually take home?
Every salary calculator stops at tax. This one keeps going — through your rent, your bills, your commute, your subscriptions — until you see the number that actually matters.
The gap between those two numbers is why tPay365 exists.
Your Salary
Found on your payslip or P45. Most people use 1257L.
Plan 2 is most common for post-2012 graduates.
Enter your annual salary to see your take-home breakdown.
This calculator provides estimates based on 2025/26 UK tax rules. It does not constitute financial advice. Actual deductions may vary based on your specific circumstances, tax code adjustments, and employer policies.
The gap between those two numbers is the problem tPay365 solves.
Every obligation you just entered — rent, bills, commute, subscriptions — can be ring-fenced from your salary automatically. Before the money hits your account, tPay365 vaults what's committed and releases only what's genuinely yours.
No willpower. No spreadsheets. No end-of-month panic.