Calculator · 30 sec
What’s actually left?
Your pay, minus tax, NI, student loan, rent and bills. No judgement — just the maths.
Full-time on the National Living Wage (£12.71 an hour, 37.5 hours) is about £24,785.
Student loanPlan 2: started uni 2012–2022 in England. Plan 5: started from August 2023.
Energy, water, council tax, broadband
Small print
Uses 2026/27 income tax and National Insurance for England, Wales and Northern Ireland (Scotland’s income tax bands are different), a standard 1257L tax code, and Plan 2 (£29,385) and Plan 5 (£25,000) student loan thresholds. It doesn’t include pension contributions, salary sacrifice or benefits. Your inputs are saved in this browser only.
TL;DRThis is your money after the essentials. Fun, saving and surprises all come out of this number.
Take-home / month—
After — a month: tax — · NI — · student loan —
Actually left each month—
Receipts · checked 9 November 2026