Net to Gross Salary Calculator
Your details
Enter the amount you would like to receive after Income Tax, National Insurance and any deductions selected below.
About this calculation
From take-home target to required gross
This calculator solves for the contractual gross salary that delivers your target take-home after Income Tax, National Insurance, optional pension contributions and student loans. Use it when negotiating pay or comparing offers on a net basis. The full walkthrough is in Net to Gross Salary Explained.
Why pensions and student loans change the answer
A higher pension contribution usually means you need a higher gross salary to keep the same take-home. Student loan repayments have the same effect once earnings are above the relevant threshold. See Salary Sacrifice Explained, Pension Tax Relief Explained and Student Loan Repayments Explained.
Employer costs
The salary you need is not always the full cost to an employer. Employer National Insurance and pension contributions can sit on top of gross pay. Advanced settings help you see that wider cost picture — covered in Employer National Insurance Explained.
Important limitations
Results are estimates for employment income under PAYE. The calculator does not model every benefit in kind, bonus scheme or local payroll variation. Browse related employment guides on the Employment Tax hub. Already know the gross salary? Open the Income Tax Calculator.
Frequently asked questions
What does net to gross mean?
Net is take-home pay after deductions. Gross is the contractual salary before Income Tax, National Insurance and other deductions. This calculator solves for the gross salary that delivers your target net.
How does the calculator find the required salary?
It searches for a gross salary whose estimated take-home matches your target, using the same Income Tax and National Insurance rules as the Income Tax Calculator.
Can I include pension contributions and student loans?
Yes. Optional pension and student-loan settings change the gross salary needed to hit the same take-home target.
Does it show employer costs?
Advanced settings can estimate employer National Insurance and related employer costs alongside the required gross salary.
What does this calculator not include?
It does not negotiate pay, file payroll returns or model every benefit in kind. Results are planning estimates and may differ from a final offer or payslip.
Official sources
Figures are estimates and may differ from payroll. See the methodology page for how Sorvuna builds estimates. This is not tax, legal or financial advice.
Related guides
- Net to Gross Salary ExplainedHow to work out the gross salary that delivers a target take-home pay after tax, National Insurance and other deductions.Read guide
- PAYE ExplainedHow Pay As You Earn collects Income Tax and National Insurance through your employer.Read guide
- Salary Sacrifice ExplainedHow salary sacrifice pensions reduce taxable pay and National Insurance, and what to check before agreeing.Read guide
- Employer National Insurance ExplainedHow employer Class 1 National Insurance is calculated and how it affects the total cost of employment.Read guide
- Student Loan Repayments ExplainedHow Plan 1, 2, 4 and 5 undergraduate loans and postgraduate loans are repaid from salary.Read guide
- Pension Tax Relief ExplainedRelief at source, net pay and salary sacrifice — how pension contributions get tax relief in the UK.Read guide