Gross pay vs. take-home pay
The headline salary in a job offer is gross pay — before income tax, payroll contributions, and any benefits deductions. Take-home pay (net pay) is what actually lands in your bank account. This calculator converts a gross figure in any pay period into hourly, weekly, biweekly, monthly, and annual equivalents, then — for the UK and Singapore — estimates the net amount after the country’s standard payroll deductions.
UK take-home pay: tax bands and National Insurance
Select United Kingdom to see your pay broken down using the 2026/27 England & Northern Ireland bands (Scotland uses different rates). Everyone gets a tax-free Personal Allowance of £12,570 a year, which tapers away by £1 for every £2 earned above £100,000 and disappears entirely at £125,140. Income above the allowance is taxed in three bands: 20% (basic rate) on taxable income up to £50,270, 40% (higher rate) on the portion between £50,270 and £125,140, and 45% (additional rate) above £125,140.
On top of income tax, employees pay Class 1 National Insurance: 0% up to £12,570, 8% on earnings between £12,570 and £50,270, and 2% above £50,270. Both come straight off gross pay through PAYE, and the calculator applies both automatically once you select United Kingdom.
A few common UK salary examples, income tax and NI combined: a £30,000 salary comes to roughly £25,120 a year (about £2,093/month) take-home; £50,000 comes to roughly £39,520 a year (about £3,293/month); and £80,000 comes to roughly £59,470 a year (about £4,956/month). Enter your own figure for an exact estimate.
Singapore take-home pay: CPF contributions
Select Singapore to see take-home pay after the Central Provident Fund (CPF) — Singapore’s mandatory retirement, healthcare, and housing savings scheme. For employees aged 55 and under, the standard 2026 rate is 20% of wages deducted from your pay, applied up to the S$7,400/month Ordinary Wage ceiling(earnings above that aren’t subject to further CPF). Your employer separately contributes an additional 17% on top of your pay — that portion is not deducted from you, but it’s part of your real total compensation.
Unlike the UK or US, Singapore doesn’t withhold personal income tax from each paycheck — residents file and pay income tax annually, so it isn’t part of this per-paycheck take-home figure. CPF is the deduction that actually affects what lands in your account each payday.
Comparing job offers on equal footing
A $65,000 salary and a $32/hour rate aren’t directly comparable until you know the hours — the hourly view here assumes a standard 40-hour week across 52 weeks. Converting every offer to the same annual basis, and to take-home pay where UK or Singapore support applies, is the fairest way to compare a salaried role against an hourly one.
Why use UtilityApps for this
Your salary figures are calculated locally in your browser — nothing is uploaded, stored, or tied to an account. No signup required to convert or estimate take-home pay.