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Your money, finally understood.

From payslip to plan — one place to calculate, learn and stay ahead.

mySal is a free salary, tax & money intelligence platform. Start with the take-home calculator for 30+ countries, then explore 28+ calculators for debt payoff, mortgage, pension, investing, tax refunds and life-event pay. Get proactive Pulse insights, ask the AI Advisor, learn in mySal Academy, and scan payslips so your numbers stay real. No signup, no data ever sold.

Calculate my take-home

Free forever · 30+ countries · nothing to install

30+ countriesAI advisorNo data sold — ever

Calculate your take-home

Choose your input, add precision, results update instantly.

Gross salary (annual)

CountryPay frequency

Region (for full precision)

You keep 79.8% · net pay per month

£2,993.30

from £3,750.00 gross · £35,919.60 a year

Take-home 80%
Income tax 14%
National Insurance 6%

Income tax£6,486.00National Insurance£2,594.40Effective20.2%Marginal20.0%

Take-home at a glance

Weekly

£690.76

from £865.38

Biweekly

£1,381.52

from £1,730.77

Monthly

£2,993.30

from £3,750.00

Annual

£35,919.60

from £45,000.00

Assumptions & source

Tax year 2026/27

Personal allowance: £12,570
Rest-of-UK income tax bands.
NI Class 1 employee: 8% between £12,570–£50,270, 2% above.

Source: HMRC — Income Tax rates & NI thresholds 2026/27

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Most people don't actually know what they take home.

Between tax, social contributions, pension and student loan, the number on your contract and the number in your account are two different things — and every payslip hides the gap. mySal closes it. One place to see exactly what lands, work out whether that overtime or second job is really worth it, plan debt payoff, compare mortgage or rent options, and keep more of what's yours.

Calculate everything that matters.

Take-home pay is just the start. Run 28+ calculators across salary, tax, debt, mortgage, pension, investing, savings, tax refunds, redundancy, maternity and more. Every result uses official HMRC, Revenue, IRS and country-specific rates, so the numbers match real life.

Ask your own numbers.

Generic tax articles don't know your salary. mySal's AI does. Ask “is my overtime worth it?”, “what if I overpay my debt?” or “what am I missing?” and get answers built on your figures and your country's rules — not someone else's average.

Stay ahead of your money.

mySal Pulse surfaces proactive insights before you ask: deadlines, deductions, better savings rates, and debt payoff wins. Learn how money works in mySal Academy, scan payslips and documents so nothing is missed, and track markets, portfolios and strategies — all in one secure place.